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Originally Posted by fuzebox
All this thread proves is that woj was right, and poor planning is the real cause of most financial problems.
I'm reading descriptions like "family of four with a house, a couple of cars" and how a medical bill will destroy them... If you can't afford health insurance then why do you have two cars? Why did you have two kids to begin with if you couldn't afford them and had to "live on the edge"?
The fact is, the average american lives beyond their means. Having your bills paid at the end of the month with no substantial savings is not living within your means, I'm sorry. Most people don't need 80% of the shit they buy, and are irresponsible spenders. Most people can't afford the 2nd or 3rd kid they had.
Hell, the 50% divorce rate is fucked up enough as is. I don't understand how a couple can get married, lock themselves 50/50 into something as big as a house, and then get a divorce a few years later.
The lack of personal responsibility and common sense in the world blows my mind.
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While some of what you said is true.....the vast majority of the people filing bankruptcy over medical bills are people WITH insurance.
The problem they had was the insurance company didn't pay their bill. Happens all the time.
You're kind of cherry picking scenarios in order to suit your views. Things like
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I'm reading descriptions like "family of four with a house, a couple of cars" and how a medical bill will destroy them... If you can't afford health insurance then why do you have two cars? Why did you have two kids to begin with if you couldn't afford them and had to "live on the edge"?
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You obviously haven't been following the discussion or doing any research on this topic or you wouldn't say things like that. (If both parents work, which is normal, then they have to have 2 cars in order to get to work. It's not like one of the cars is a Miata for weekend beach cruising)
However, if, like Woj, you feel like you need to be morally superior to people who have had money problems, then far be it from me to ruin that for you.
Stick that nose in the air and enjoy it. (and hope that you never lose a job, have a medical emergency that isn't covered by your insurance, get injured and become unable to work for an extended period, get screwed over by a business partner, catch your wife in bed with another man after you've bought a house together....because then you'll have to stay with her and watch her fuck the other dude, in order to be financially responsible and all, or have a car accident and be sued for damages larger than your insurance limits. As long as none of those or dozens of other things happen to you, you can take pride in the fact that you're better than all of these "deadbeats")
Speaking of those "deadbeats", I wonder how many of these bankruptcy filings are people who worked for GM and Chrysler or the State of California?
Those fucking losers....didn't they know 5 years ago when they had their 3rd kid that they would lose their jobs and health insurance in 2009?
Fucking idiots.