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So tw, how does this most recent post fit with your comment that "Anybody risking backruptcy because a car fails really should address a fiscal problem first."
You admit that the "poor" are stuck in a desperate situation that causes them to make decisions that will probably work against them in the long run. How are they supposed to "address their fiscal problem first," when they need to buy a car to get to work? And they need to make sure the car will be reliable, so they buy the warranty because they have no large nest egg.
You seem to be arguing against yourself.
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