I know people that choose to do very few hours cash in hand work a week and would rather get stoned than do a full days work.
I know people that will only work 10-2 even though their kids are at secondary school when they could work 9-5.
I know people that choose not to go for the higher paid role as they don't want the 'hassle'.
I know people that have 5 children, live on benefits, the children are dirty, run their parent ragged, the single parent doesn't work.
All these people have choices, choices that make them struggle to with money, they are not victims.
This is not the case for all people of course, but I know too many people that are lazy, that don't help themselves, or think the world owes them something.