When the rents due and your out of inspection on the car cuz of a 'check engine' light is burning and your backed up on the electric you aren't thinking about PIA' a elementary course in debt economics. Your trying to make it thru the week.
It's why Direct mail Debt loan operations like Obama's former Treasury Secratary now runs relies on the poor to cash those checks. It's a tilted economic system favoring the rich and upper middle income that puts downward pressure on the poor.