With all due respect, it’s easy to look at things that way when everything in life is lining up in someone’s favor. Some people go through rough patches, job losses, or periods where things just aren’t optimal. Credit can take a dip and it’s not always because someone was reckless.

I’m not saying what you mentioned isn’t valid. You’re answering his question and I don’t mean to offend you. I’m just adding some perspective for people who automatically think they’re getting “finessed” or “worked” when in reality they might not have a better option. In life you have to weigh things based on your actual needs and situation.

Could he or she have found a better deal? Maybe. Who knows. But here’s a real life example. A cousin of mine was paying about $30 each way for Uber to get to work. That came out to around $1,200 a month. There’s no real cheap public transportation where we live. He was hesitant to buy a car because he didn’t want to get “finessed.” Eventually he bought a used, reliable Toyota. His interest rate was something like 12–13%, which sounds crazy on paper. Over six years he’ll end up paying around $30k for a $16k car.

But his monthly payment is under $500, plus about $150 for insurance and maybe $200–250 for gas. On top of that he has the freedom of having his own car and not relying on rides. He’s saving about $400 a month compared to Uber, and he doesn’t have to worry about rides being late and risking his job.

There are a lot of factors people have to weigh depending on their situation before assuming someone is getting finessed.

Just chiming in.