Day Trader’s Weekend Aftermarket Lounge 23-25 Aug 2019, page-103

And I should say, most bankrupts are heavily habitual in a good way.

Generally speaking they've been screwed over by a past relationship.
And they spend years trying to recover. And their spending habits are good.
But because they are chasing their tail they need that 3,4,5k as a top up.

The 'kid' will never go bankrupt because no one will lend him enough to get himself into enough trouble.
But he will never own an asset other than a car.

It's kind of interesting, and sad.
It's hard on me because I'm empathetic in nature.