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They could still be in need. Lots of people overspend on cars and then have trouble making the payments. For all you know, they could have massively overspent on houses and vacations. Just because someone lives the high life and has great stuff doesn't mean that they aren't in need. You're just stereotyping. "Oh, they drive a new Mercedes, they must not be in need". Well, those people are often leveraged to the hilt.
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