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Would You rather die with $1M in the bank or $1M in debt?
It's the common peoples fault for not trying hard enough. It's time these funds were cut off lazy people need to drop dead so those those that put an effort into life can begin to enjoy it without having to pay for these free loaders. Hopefully some kind of program will be started that will thin out the herd.
Don't confuse being a douchebag with sarcasm, once you see a few more of these "insightful" posts you'll fully understand that ATS isn't what it used to be.