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Each time I see an advertisement that uses words "you deserve" something, or a credit mailer to that effect, I keep thinking, "how do they know I deserve it? They don't even know me?" 
It seems effective though, because I think a lot of people get into financial problems because they believe they deserve, and thus going without something they deserve is not fair, so they should get, even if it means defaulting on loans down the line. And this is more common when it comes to things like having a house, or what neighbourhood you can afford to live in, or what car they drive. There is a disconnect between what you are getting in the marketplace and what you deserve. Therefore, it is often viewed by people as not their fault. The way they see it, they are struggling to keep the basic life they deserve. This believe is what caused the housing crisis, the credit card crisis and now the student loan problems.
How people arrive at what is basic and necessary, is a mystery.
I was once in a forum discussion where the woman argued that yes, there is no choice but to stay with a husband that beats her because if she lived on her own, she could only afford an apartment and doing that to a child is wrong. I was thinking she is out of her freaking mind! But to her, not having a yard was more unacceptable than being beaten. She made it sound that growing up in an apartment is the worst thing that can happen to a child and there is no way she would ever do that to her baby. Baby deserves a house and a yard, period.
(Ok, I think I got a little bit off topic here -- whenever I remember that discussion, my blood is boiling. )
To me, who lives in an apartment with a wonderful loving husband, what baby deserves is a stress-free environment and a feeling that home(even if it is an apartment) is a place where you feel loved, relaxed(emotionally), at peace and secure. To me, not giving that to your baby is horrible and will no doubt affect his development and personality.
Would I love a yard? Very much so, but we could not afford a yard in NYC without foregoing any savings and all retirement, and that does not seem like a responsible choice. But I know of people with less than half our income who bought a house, and now, years later are approaching bancruptsy and can no longer supplement staying in this house by using credit feel angry and feel they are victims. Their family deserves this house. They just don't see past it. When it should have been obvious from day 1 that you can't afford a house almost 10x your income (and taxes and maintenance on said house). But they feel they are loosing it because things just cost too much -- taxes, daycare, gasoline, everything... and it is the fault of the entities that charge that much, and, of course, the bank. Life should be priced in such a way so that the house would be affordable to regular people like them, or regular income.
But anyway, how do we really know what we deserve? And who can be objective in making such a determination about themselves?
It seems effective though, because I think a lot of people get into financial problems because they believe they deserve, and thus going without something they deserve is not fair, so they should get, even if it means defaulting on loans down the line. And this is more common when it comes to things like having a house, or what neighbourhood you can afford to live in, or what car they drive. There is a disconnect between what you are getting in the marketplace and what you deserve. Therefore, it is often viewed by people as not their fault. The way they see it, they are struggling to keep the basic life they deserve. This believe is what caused the housing crisis, the credit card crisis and now the student loan problems.
How people arrive at what is basic and necessary, is a mystery.
I was once in a forum discussion where the woman argued that yes, there is no choice but to stay with a husband that beats her because if she lived on her own, she could only afford an apartment and doing that to a child is wrong. I was thinking she is out of her freaking mind! But to her, not having a yard was more unacceptable than being beaten. She made it sound that growing up in an apartment is the worst thing that can happen to a child and there is no way she would ever do that to her baby. Baby deserves a house and a yard, period.
(Ok, I think I got a little bit off topic here -- whenever I remember that discussion, my blood is boiling. )
To me, who lives in an apartment with a wonderful loving husband, what baby deserves is a stress-free environment and a feeling that home(even if it is an apartment) is a place where you feel loved, relaxed(emotionally), at peace and secure. To me, not giving that to your baby is horrible and will no doubt affect his development and personality.
Would I love a yard? Very much so, but we could not afford a yard in NYC without foregoing any savings and all retirement, and that does not seem like a responsible choice. But I know of people with less than half our income who bought a house, and now, years later are approaching bancruptsy and can no longer supplement staying in this house by using credit feel angry and feel they are victims. Their family deserves this house. They just don't see past it. When it should have been obvious from day 1 that you can't afford a house almost 10x your income (and taxes and maintenance on said house). But they feel they are loosing it because things just cost too much -- taxes, daycare, gasoline, everything... and it is the fault of the entities that charge that much, and, of course, the bank. Life should be priced in such a way so that the house would be affordable to regular people like them, or regular income.
But anyway, how do we really know what we deserve? And who can be objective in making such a determination about themselves?
if it were contraceptive items no problem, but the "family planning" aisles have expanded quite a bit recently in retail stores, soooooooo 
it was something else.
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