I still think I'm missing something and that's itching at the back of my head
so the working class's ability to accumulate capital is based on the fact that a new radiator for their car costs $121 https://www.amazon.com/Spectra-Premium-CU2310-Complete-Radiator/dp/B000C7TUMU … and not based on the fact that they spend money on cigarettes and lottery instead of saving?
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It can be both. Accumulation of financial savings can be less beneficial at lower incomes than acquiring tools or converting ongoing payments into fully owned capital goods. Bending the market in ways that favor buying over maintaining diminishes this opportunity.
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"the working class spend $3,000 per year on cigarettes and lottery tickets, but the IP in a radiator raises the cost from $120 to $121, and that's why they can't save money, and therefore the upper middle class karens I already dislike are to blame" is...less than convincing.
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