General Discussion
In reply to the discussion: Why Poor People Stay Poor [View all]joeglow3
(6,228 posts)I am not blaming anyone, but am also willing to challenge things that, if remedied, could improve someone's life. As I mentioned above, I am in a decent spot and, therefore, can afford Sirius satellite radio. Last night, on channel 91 (college sports), there was a commercial geared for people with credit scores in the 400's and below. While exceptions exist (someone who has clawed out of their hole but still have a shit credit score, paid for a long term contract and hit problems later, someone in a friend's/family members car, etc.) the majority of their target demographic probably shouldn't be spending their money on satellite radio. Now unless they have a shit research department, they feel they are reaching a reasonable number of their target demographic on satellite radio.
Part of this is because we train people to buy shit they can't afford from day 1. I read an article about the loyalty people show to their first credit card. This explains why my college campus was flooded with these leeches, fighting to give credit cards to there 18 year olds with no credit.
The reality is that all of us make mistakes and, at times, don't even know better. educating people is not a bad thing. The only people I see opposing it are the companies looking to lose out.