Widen the net beyond this country and "extreme exception to the rule" becomes a laughable claim. ...and you think the call screeners for Dave Ramsey let calls through for whom Dave won't be able to provide advice and look smart? Not to mention that the people who are in a hopeless situation and likely lack all motivation are not calling Mr. Ramsey up. And remind me, does the Dave Ramsey show - apparently an important global financial indicator and not just a US mainstream media psyop - get broadcast to 3rd world countries? But I digress. It seems like you're willing to accept that there **are** exceptions to the rule, but don't necessarily agree that those families exist in number enough to warrant you paying them any mind. If you agree that your advice framework has "sorry man, you're shit out of luck, here's to hoping you have a better accident of birth next time" to say to them, then we actually don't have a disagreement. that's all i've been trying to point out.