It's insane, I have a million stories I could tell about my experiences with people who never had money suddenly coming in to fi/fo money. People barely over 20 years old getting their first cheque and immediately eyeballing $60,000+ new vehicles. Older guys who could seriously pad their retirement funds deciding they'd rather buy some insane luxury RV and a shiny new bells & whistles truck instead. How many people wind up like, "Why wouldn't I rail a gram a day, $100 is fuck-all, bro, I make that by first break."

Then layoffs come and everyone panics, they've stretched themselves to where they need to be taking home eight to ten thousand a month just to keep on top of the bills.