How about a reading list to remedy that ignorance?
Financial Diaries - start here
https://www.usfinancialdiaries.org/book
Unbanking of America by @LisaServon
Squeezed by Alisa Quarthttps://www.cbsnews.com/amp/news/nearly-40-of-americans-cant-cover-a-surprise-400-expense/ …
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"Can they not get a credit card?" = 21st Century White Male Privilege - speak for "Let Them Eat Cake".
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