This is the stuff that I wish people would understand.
So many people like to complain about not having any money. In too many circumstances, though, they are making terrible decisions that lead to costing them more, a lot more. Loans and mortgages are commonplace these days, and everyone seems to be interested in getting things right away even if they have to pay more for it later. Personally, I consider debt bondage a tool that is used to turn free people into wage slaves on a never ending hamster wheel in the rat race where the main goal of your life is to make someone else rich, and hopefully leave behind another wage slave when you pass on to make their kids richer too.
Obviously people can make their own decisions and choose what they do, but these are my honest thoughts about some of the matter.