“I told myself that when I grew up, I wasn’t going to let that happen to me. And I managed for a while. But then something unexpected happened, and I had to dig myself a little hole of debt to deal with it. Then to fill in that hole, I had to dig another, this one a little bigger. After a while, there were so many holes that I was bound to fall into one and not be able to get out. It’s hard. Life is hard. And too damn expensive.”