Many americans, the ones being discussed here do not think that way. No matter how many times you try to explain how to "save in the long run", up front cost is

Many americans, the ones being discussed here do not think that way. No matter how many times you try to explain how to "save in the long run", up front cost is by far the biggest decision factor. A better way to describe it is not that it's not an option for everyone, but it's that not everyone will see it as the better option.