Well the problem is if you are poor enough you are already in a death spiral of debt.

You have poor parents and wanna go to college? Well in debt you go. (because in the USA people hate solcialism since it is almost communism) And then you don't get a job that pays your rent, because rich people fuck you over again. And then you get sick and the doctor gives you a bill you can't pay. I mean you couldn't even afford a health care insurance if you wanted to sooo whatever. Then your credit card is in the negative because you buy food.

So now you are probably paying more in interest of your detbs than your income gives you. Yeah well at least in jail you don't have to pay for food and shelter.

Yes there are people out there that just manage their finances wrong, but in the USA I would say it's a system issue.

Right? The day after I overdrafted, I was making Excel spreadsheets. Monthly bills, food, gas, paychecks.. I had charts and shit. Never happened again.