[ladyjane]

But they offer a service that does help some people... It is very expensive to be poor in the US.

41% of families use these services - more than those below the poverty level. It's very expensive to be irresponsible in this country.

[cuban leaf]

41% of families use these services - more than those below the poverty level. It’s very expensive to be irresponsible in this country.

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Yes. And the irresponsibility, if unchecked, will make you poor.