I agree with your points, it all comes down to each persons situation. I'm sure many people started off in a good place and then something tragic happens and it all falls apart.
Most of my friends that are my age have nothing or very little in the bank and maybe a few thousand in a 401k somewhere they don't support anymore; nothing to fall back on at all. It's like this generation has no idea how retirement works. My best friend just had a surprise child in his early 40's, his other child is 21, so a big age gap there. His son just got diagnosed with a hearing disability at 7 months old, other than that he's very healthy. So my friend makes good money and his wife works part time, she has her own photography company and takes real estate photos; they make more money combined than i do. But they have no concept of savings or planning for anything other than next month or two. Huge house, brand new cars, expensive everything. Each time i go over there they are showing me new things they purchased, things i'd never spend money on. So they tell me only the father is insured, they don't have family insurance; the hearing aids for the baby are like $7k, so they are asking people for money, setting up donations on social media to pay for them. They have $20-30k in jewelry purchased in the last 2 years. Why don't they sell it? I won't give them a penny and i can tell they know that. I actually helped them with the down payment on their house many years ago.
People that do things like this are the reason i have little remorse for people who are broke and have no savings. I've only met a handful of people that were legitimately in need of financial assistance in their 40's. People will pay $5k for a new TV, but complain about medical insurance costs, it's all so silly to me.
Take these people 20 years from now; they will still be broke and have nothing to live on for retirement. Should the government help them with tax dollars?
That said, i understand your points, but i don't see how Trump hasn't helped the working man? Who has been left out in the cold? How will Biden help the working man? More taxes? Redistribution to a social healthcare system that is horrible? I don't understand how anyone thinks a government program is going to help anyone. But i do value your opinion. It's not so much about mooching, it's about self responsibility. I think social security is fine, but the system is broken, it's going to run out of money and people like me who paid into our entire career will not see a dime. Will Biden fix that? What's his plan on government run healthcare?
Good post and you express yourself in a clear , thoughtful manner.
You provided a clear example of clueless idiots with lousy priorities . I agree, some people just can't be helped.
But for every clueless numb-nut , I know of 10 "working poor" struggling to just get by.
Right after the USMC, I spent awhile as a "working poor" individual.
I'm not too proud to admit I worked washing beer mugs in a topless dive bar.
After 6 mos of that the owner offered me a job as bouncer, front door ID checker in a huge rock n' roll bar.
I lived in a seedy eff. hotel apt , drove a beater car and didn't have a credit card or checking account.
My main saving grace was no drinking , no rec drugs and a desire to get educated.
In my opinion, the GOV should have programs in place that allow hard working people to gain a leg up.
Had it not been for the USMC vet college asst program, I wouldn't have completed my 1st degree and started a real career.
As for health care, I'd like to remove the costly middle man of private HMO based insurance.
A single payer < Gov run, medicare for all , plan , would reduce individual costs by 25-30%.
It's fact that the first 25% of each health care dollar goes to private HMO insurance investor.
Yup, it doesn't go to the doc, hospital , drug company, etc.
The way they make better profits is to cut corners on health care.
To me , that's a great way to run a car lot, but an insane model to treat sick people.
Lastly, Trump has been a train wreck on Covid.
I'm convinced he'd shoot a grandma , then take bets on which way she'd fall.
To be blunt, I think Biden is a decent man and Trump is a con artist.
Those are my opinions and helps explain why I'm voting Biden.
Obviously others disagree . That's why we vote and count the ballots to see who wins.