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Lack of long-term thinking: Most on welfare and social programs are trained to think that way - when is the next payment, not "If I get a job and save up I can get a better place to live, better furnishings, better car," etc. Plus, the culture has turned to instant gratification - how many people play board games, chess, or anything that might take some time anymore? It's video games and video entertainment, movies on demand, instant popcorn, etc. Not to say that those things are "bad" just that they condition people to want instantaneous gratification. Saving to buy a house or a car or much of anything is unheard of in the middle to lower socio-economic classes. They have rent-to-buy stores everywhere (and nobody ever ends up owning anything since the payments are so huge over the long haul), pay advance places, etc.
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