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> they didn't have enough money to meet their expenses more likely

What does this mean, exactly? I think that's the core of my question, and something I don't understand since I lack the experience. If someone can live like this for, say, 10 years then in some sense it is meeting their expenses exactly.

I understand a situation of accumulating debt - that's a state that's not in equilibrium. But a lot of poor people can't really obtain credit, I believe.



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