It's a mixture of green from wealthy people, but also individuals making really bad life decisions. I.e; new fancy shoes, big screen tv, new iphone, etc... ppl don't live within their means. There ARE people who get the shit end of the stick in life though.
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#1 cause of ppl living beyond their means is their awareness of the hamster wheel that is their past, present and future. nobody can maintain self discipline when they understand they will not be rewarded for doing so.
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Third way is the problem
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Time for UBI
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