Yes. It's amazingly expensive to be poor. I have the luxury of using credit cards solely for net30 financing. Car loan -- maybe if I'm fairly certain my invest

Yes. It's amazingly expensive to be poor. I have the luxury of using credit cards solely for net30 financing. Car loan -- maybe if I'm fairly certain my investment account will return more than the loan APR. Without that cushion of liquidity, it's all too easy to slip into a cycle of needing credit to stay afloat. Saving small amounts doesn't feel useful, so you don't do it; and small charges don't feel like they will hurt you, so you rack them up. It's a societal problem as much as a educational one. I have no idea where we go from here, but I wonder if social systems like basic income would help alleviate the problem.