In many cases that is the desired effect: Cashflow constraints are a good predictor for problematic behaviour. Example: Being poor is not the reason for drug

In many cases that is the desired effect: Cashflow constraints are a good predictor for problematic behaviour. Example: Being poor is not the reason for drug addiction, but drug addiction will make you poor in the long run. The one good thing about this is: As low liquidity is often used as a classifier to gate access, a single kickstart payment can sometimes do wonders. A security deposit for a flat and money for a Costco card can change lives.