Here's a crazy idea, but maybe 12 year old girls shouldn't be having sex.
I'm assuming you're either trolling or a bot, because I don't think a human with the brainpower to keep breathing could have missed the point so completely. The point is that the HPV vaccine has absolutely zero effect on whether those girls are going to be sexually active or not. Tangentially, neither does abstinence-only sex education according to every study ever conducted.
Have you ever heard of opportunity cost? I get that BNPL is predatory and only exists because they can charge ruinous fees to at-risk low-income people who miss payments. And of course you should not get something you can't afford just because you can't pay now. But if you are going to buy something anyway, it's stupid not to take a truly interest-free loan.
Since you mention mortgages as the exception, would you ever voluntarily take out a mortgage at 6% if a 2% loan is available? Why then would you give away money now when you can instead hold onto it for several months earning a few percent interest? Not wanting to do business with scummy companies, not wanting to profit off of others being exploited, not trusting that these "loans" really are interest-free, those are all perfectly good reasons not to use these services (and I don't for precisely those reasons). But making flat-out wrong statements in a post decrying lack of financial education is ridiculous (as in, deserving of being ridiculed).
So who on earth would be agitating for adopting a system where people do not live well? Welfare for everyone sounds like something horrible to me.
Because not living well is still better than not living at all. If your choices are a welfare barely-making-ends-meet existence or starving to death, most people choose the former.
"If you don't want your dog to have bad breath, do what I do: Pour a little Lavoris in the toilet." -- Comedian Jay Leno