And by the way, I'm far from living in poverty. Good life, good education, good job, and reality based, not some delusional nutbag who imagines advertising doesn't have a major impact on culture lol.
Yes, we should all do the right thing financially all the time, but, it doesn't take a genius to see that isn't happening. You don't even have to search very hard to see that people from every class and every education level fucks up their finances, the uneducated hardly have a monopoly on overspending and debt. In fact, a large chunk of Americas educated upper and middle class are in debt up to their ears.
Have fun out there in fantasyland, take care.