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People's egos get in the way of doing what's right. They'll do anything to appear wealthy (teaser rate mortgages, fancy car with 72 month loan, etc.). It finally comes to light that they were living on borrowed time. And they want my sympathy?
As for "middle class," that definition is tricky. A couple making $80K/year can live pretty well. If they have five kids that's another story.
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