You notice that the nicest things any piss-poor town has are its car dealerships. Stupid people get charged more or offered shark loans. Can’t cure stupidity, except slow it down during bankruptcy phase (temporarily).
Many co-workers who don’t earn a lot of money are driving nice cars; leasing has replaced buying for many people as we transition to a nomadic, Third World economy. People don’t invest in homes, cars, or children due to uncertainty; when they die they will leave no traces or legacy.