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RE: Empty on a full stomach
There are so many "quick loan" services now and most don't have the arithmetic skills to calculate the real cost of the loan. If someone you don't know is willing to give you money to buy stuff, the deal is better for them.
I recall one of my workers owed so much money that he couldn't afford to get to work anymore and his next months salary was already spent. My son hadn't worked out as he thought the interest was over a year and not for just one month. They have a lot to learn.
It happens in Finland too, "the most educated country in the world". What are they teaching and what are they learning?