lower middle class and working poor people who actually scrape by to pay off their debts.
I can and have often pointed out fatal flaws in Republican dogma. This is a fatal flaw of the Dems, namely, rewarding irresponsible or immoral behavior because it results in grown adults ending up in poverty or in debt. Yes, there are times when it should fall on those people to pull themselves out of the situation by assuming responsibility for their own lives.