Fourth, there are unproductive expenditures for things like drink, drugs, unproductive assets (like radios, shoes, or clothes), and poor business investments. Finally, there is the exploitation that takes advantage of vulnerability. Exorbitant interest rates, trickery, coercion, intimidation, and blackmail are used by the powerful (often the non-poor in poor communities) to take what little a poor household has—its assets and even its labor.
