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What an oblivious statement.

Of course poor folks know how bad payday lenders are. They're poor, not stupid. They use them because they live on razor-thin margins and life happens.

Poor folks generally manage their money down to the dollar. They have to, or they'll be out on the street.

All of the things you mentioned are middle-class problems and have nothing to do with the horrific grind that is being poor.



Thanks for the correction.




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