It's expensive to be poor. It's ironic but true. You get charges and fees for everything. Higher interest rates. Overdraft fees. Late fees. Having only enough to buy what you need right now instead of buying in bulk. Losing your job because you can't afford to get your car fixed. Losing your car because you don't have a job. Even your mental faculties are drained, as you are forced to continually eat low-nutrition foods, "sleep" in miserable conditions, and be exposed to toxins and lack of medical treatment. The lack of liquidity wipes you out. Life really does kick you while you're down.

You can't tell someone trapped in that vicious cycle to "just" get a job or "just" make responsible decisions. Sometimes, no amount of good decision-making can stop the vortex sucking them down. So the next time you are tempted to place moral judgment on someone who lives in poverty, think twice.

Signed, someone who has been both a Have and a Have-Not.