Mr. Pedantic
[H]ard|Gawd
- Joined
- Sep 19, 2009
- Messages
- 1,707
How would that be any different to having to pay in arrears by credit card? You will still have to fork out money you could have otherwise used for the item in question for more pressing matters. If anything, that example just illustrates how much more advantageous it is to save in advance, seeing as the money is yours, and you get an unrivalled flexibility with it. Whereas with payments on a loan or credit card debt, you don't get that kind of flexibility, and you definitely can't take back the money you paid for an emergency and leave the credit card company an IOU.Oh fuck my car broke down. Time to use up my savings. Shit! My kid broke his leg. There goes that attempt at savings. Etc. etc.
But then they wouldn't really have the means to sustain a loan on a 56" LCD TV either. So it makes the whole thing moot.I could go on and on and explain costs of living and thresholds of when a savings cushion actually becomes a viable reality based on your income, but you refuse to acknowledge that some people would literally have to save for years or decades without fail, just to have enough money to get them through a year without work, so there is really no point in me debating this with you right now.
So why are you talking like it's practical for people to go out buying goods if the purchase is beyond their means to sustain? I know being poor is tough, but I would hope that it wasn't so tough that you couldn't live without a 56" TV.Also, something else you will probably refuse to admit is that people would literally go crazy and/or spiral into maddening depression if they followed your tunnel-vision advice and never spent any money on leisurely things. Until you have lived an adult life on low wages, without hope, and without any nice things, you don't get to comment on the practicality of it, given how short sighted your ideals are. Some people literally dream of their tax refund check and how they are going to use it because money gets that scarce for them.