The system is meant to keep you poor by working against you. Dont believe me? take the word of someone who had the system work against her and by it lost her car, jobs, and home.

http://www.slate.com/articles/life/family/2014/12/linda_tirado_on_the_realities_of_living_in_bootstrap_america_daily_annoyances.html

In this article the author describes the way the system works against poor people and is designed to make it harder for them to save money and to plan ahead because the poor have to buy only what they need.

Take this example from a reddit thread by user:  “DrStephenFalken”:

I’m making $150- $200 a week and I need new shoes. So I can buy $60 shoes that will last or $15 walmart shoes. So I buy the walmart shoes and some groceries instead of just the $60 shoes and no groceries. Three months later I’ll need new shoes again. But I’ll also have to pay rent and my light bill is due. So I’ll pay the light bill and buy some “shoe glue” for $4 to fix my shoes for another few weeks until I can buy the $15 ones again.