Yep; that's the thing that people who didn't grow up poor miss. The 'cost' of being poor (as a percentage of income, not as an absolute figure!) is higher for

Yep; that's the thing that people who didn't grow up poor miss. The 'cost' of being poor (as a percentage of income, not as an absolute figure!) is higher for poor people than the 'cost' of being well-off is for well-off people. Late fees, overdraft fees, frequent maintenance expenses stemming from owning and/or driving crap, higher interest rates, other types of pricing premiums for things stemming from their being inferior status as a buyer or a borrower of various goods and services, health, etc. Add to that the pervasive psychological and physiological pathologies unavoidably common among poor people - whatever you think of how that reflects on their "responsibility" - and the external costs of those, and, well, you get the idea.