i'm still pretty tickled that you consider $10,000 "just a fraction of one year's salary". fewer than half of the people in the united states can afford to spare $500 for an emergency. i'm not sure if you're an adult or not, but most people use their salary to pay bills. they don't just get to keep everything they make. they have very little left over, especially since most people have lifestyle creep as they get raises. pretty much nobody would consider a $10,000 payment just a "fraction of their year's salary". they would consider it to be about the same as going into $10,000 into debt. also, most people don't make very much money. they make like 20 to 40k per year and then have a shitton of bills. i've worked in finance and many people who make $100,000+ per year have literally zero savings or retirement.

and i don't think appealing to an imaginary moral philosophy is grounds for this sort of discussion. everyone in the world's moral philosophy is basically "do what benefits me and people i care about. if there's any room left over, help other people". like, by the very grounds that we're having this argument -- that there are people voting against free trade --, shows that this view is valid. i'm simply defending these people because even if their viewpoint doesn't maximize a few abstract metrics, it is very reasonable.