Probably very true. I guess so many people are desperate financially these days. I can kind of understand- but also spending thousands doesn't make any sense to me 😬

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People should be first asking why am I financially struggling? Is the income problem or the expenses. It is mostly the first and there is always something to be done about it even it is hard it should be done, working 2 jobs or getting new skills etc. whatever it takes. Most people can't figure out the problem because they are not trained(at schools) to do it. If they have above average IQ they can do it if not they ask you for a quick fix. People shouldn't be trained for solving problems, they should be trained to find the problems.