this post was submitted on 01 Apr 2024
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Can you point to specific examples of someone you have encountered in your daily life, someone who is nearly starving... but chooses to spend their money on an unnecessary indulgence? Because it sounds like you're otherwise just perpetuating stereotypes.
Nearly starving is almost an impossible to do involuntary in the United States, so that's poor criterion to use here.
But yes I know many people who fit the description, who go on trips, buy cars, expensive clothes to improve their image, when they don't have the income nor the savings to support it.
You've never ran into that guy who gets temp work in roofing, landscaping, or as a rig-pig, who gets a loan for a six-figure truck?
I used to live in this weird apartment building that once had been fancy, so it had large common areas with fitted carpet; but now was "significantly less desirable", and residents used to let their dogs shit on the carpet. It was the cheapest 1-bed flat I could find at the time. 2/3 of the cars parked outside were recent BMW's or Audi's. Everyone will choose how they spend their own money, but some fall for the glamour of consumerism more than others, and for many young men with jobs but no families that means the coolest car you can manage, even if you have to live in a damp hovel and wade thru dog shit to get to it every morning 🤗
Doesn't sound like someone who's minutes away from starving buying something that was obviously unnecessary though, does it?
And if a guy with shitty credit and unsteady income is able to get financing on a six-figure truck, that's more the banks fault.
The original comment didn't say that you needed to be starving before the purchase, just that you are both starving, and have a new car.
Pig rigs don't go to the bank for the loan, there are moneylenders and car dealerships where the most of their business comes from these guys.
Why do I need to provide personal anecdotes to prove the fact that there have been poor people that make bad decisions? It really is not that crazy of a concept.
If you are going to make a statement about people, generally speaking, we like to have proof.
Have you actually seen this new car welfare person or is this a straw man born of your keyboard?
Yes, I have met people who have ruined themselves financially for stupid reasons. But, that's purely anecdotal. I could be lying and you would have no way of knowing. That's why it doesn't make sense to ask about my personal experience when you're looking for proof. Here's something more convincing: There are many stupid people, and many poor people. Naturally, there will be some amount of overlap. So, it is reasonable to assume that some of these people who are both stupid and poor will make stupid financial decisions.