It's amazing that you don't seem to understand people unlike yourself. Maybe they care for a sick relative (which is why they are hurting financially), maybe they never get to see their kids because they are working so much and relish the chance to be home when they are awake.

Did it ever occur to you that often times people who are hurting the most financially have other problems in their lives, and value the chance to deal with them?

Or are you unable to look past your nose?

David