Comments by "Generic Developer" (@genericdeveloper3966) on "Why It's More Expensive To Be Poor" video.

Food stamps, subsidized housing, cheaper apartments, cost of a bus / bicycle vs driving, are you sure it is more expensive? Maybe some things, but overall me don't think so. As for a bank account, I've been in debt with literally 0 in my bank account, I still had one. I still had plenty of banks near me. I currently live in a "not so great" part of Phoenix, and I have no trouble finding my own bank to withdrawal cash from, for those few times I even need to spend cash directly. Just down the road are some low income housing units. I'm sure they can go to the bank as well as I can :D
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Yeah they are just assuming poor people will use the wrong ATMs. I guess they think they are all stupid? lol jk. But I work in a city with many poor folks, I worked temp labor gigs as a poor man myself and I've always had a bank account and deposited checks directly into the bank only. Some of my co-workers would go to check cashing places and pay the fee. Their choice
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@Sara Spagnoletto Why would it? He is ignoring the many ways being poor is actually cheaper. Naturally we think being poor is cheaper because generally it is. They buy cheaper clothes, rent cheaper apartments, bus (or in my case scooter) instead of driving, they take less trips, get more charity and so on. They even don't have any problems banking at least in the cities I've lived in. I worked temp labor with some other poor people who would take their checks and go straight to the check cashier next door for a fee on every dollar they earned (and of course spend some of the paycheck on beer, cigs, and weed). I took my check down to the bank and deposited it.
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@guar67 "but sometimes they are already spending as little as they can." And those people are the future middle class. But those who want to smoke weed, drink, buy lottery tickets etc will stay poor. It is what it is. As for overdrawing fees, it kind of forces you to keep a ledger and budget. Not necessarily a bad thing
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@Exarian "Life isn't actually a meritocracy." Usually it is though. "is more indicative of someone trying to cling to the idea that we live in a just world" Is more indicative of my life experience, what I have done and witnessed. Just like most people who give this advice, once we realized our lives are mostly in our hands we act accordingly and do better. We also see the epidemic of excuse making among those who do poorly, when what would help them is to look in the mirror.
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@user-pg5re1cg7d I had almost zero dollars in the bank three years ago (paycheck to paycheck with minimal savings). I didn't experience any of these problems. I had a bank account and access to banks. I could get cash back from a grocery purchase if I really needed cash and not pay a fee. The only thing that would cost me more is borrowing money, but beyond that I paid the same costs as everyone else. Bank account fees depend on the bank, and for many they are waved if you merely make sure to deposit a certain amount in each month. If you do pay the fee is may be 10 or 15 dollars, which is a small price to pay. If poor people decide to not use banks, that is their own choice, and yes it will make life harder.
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@user-pg5re1cg7d What they said about "food deserts" is very specific to dense urban areas. For the vast majority of the country there are no "food deserts" without good grocery stores. I live in a spread out city of over 1 million people, and there are no food deserts. Quite the opposite, we have plenty of places to go shopping. As for people staying in Motels, that is asinine. Only prostitutes and drug addicts do that. Yes most places want a security deposit. Yet somehow we don't see families staying in Motels for months on end. Most people that poor get public assistance.
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