You’re pointing out an extreme exception to the rule, but ok dude. You’re drawing up this scenario as if there is a significant portion of people in a completely hopeless situation and I emphatically disagree.

If you ever watch Dave Ramsey take calls from people that are in bad financial situations, there is almost always a way out. Almost always there is somewhere to cut. Almost always there are steps that you can take. Maybe it’ll take years, but it’s possible.

But you’ve thoroughly convinced yourself that there is a sizable portion of the population who can’t get out of their bad situation and that they should just give up. That’s a sad way to see people.