My sister is one of those people. She simply doesn't care to learn how to be poor, so she does all sorts of shady and downright criminal things. She is a big pawn shop, pay day loan, check cashing. fast food user.

She has ripped off so many banks I don't think she can have a checking account any more. And yes, she does have cigarettes, broadband internet, cable tv, cell phones for every child, new cars, etc. with zero employment income.