Thats not an assumption. You are pretty much saying that its mostly your fault for being poor and that people are poor because they have bad habits about spending money

Are you mixing up threads? Honestly, you are weirding me the fuck out. What you're talking about isn't even a subject that anyone was discussing.

Well it seems like we are talking about different demographics

I'm exclusively talking about the US. The rest of the world is substantially different. The rest of what you went on about has literally nothing to do with what I was talking about. I'm legitimately worried about you at this point.