Wonderfully said, I do have less empathy people who rack up personal debt on things that are not necessary. I’m not talking about the John Doe that maxed out his car to save his pets life or the family that is barely getting by on the bare minimum just to pay utilities and their rent. This person has TWO homes and just reads like they are irresponsible with finances and expect other people to get them out of the hole they dug and I’ll bet money that they’d be back into another hole once again.