You’re so right, and that is exactly why we don’t have an entire class of jobs whose purpose is to get people to spend more than intended. Yup, all personal responsibility. 50% of people having less than a middle school education level, but you’re totally correct, it’s just ALL personal responsibility. No other factors at all!

If the DOD can't do it, why should poor people? https://americanmilitarynews.com/2024/11/pentagon-fails-7th-...