Well, there's sucking at handling credit cards at 11% interest, and there's sucking at handling credit cards at 28% interest.
Not that I feel bad about it because I reached adulthood and learned my lesson with the 2007 recession, but young people are experiencing the double whammy of being the 'number go up' generation, with their parents and education completely failing to prepare them for number go down.
Now the only numbers that go up are cost of living and interest rates.
The Didoche, a survival manual for christian communities during the roman persecution era, teaches that any stranger that arrives at your door should be fed and clothed for 3 days, after which point they need to make their own way in the community or move on.
Giving strangers the benefit of the doubt or taking care of those with legitimate disabilities =/= taking care of junkies or lowlifes for the duration of their lifespan .