If you have those payments it is even more important to have an emergency fund. I bet many of these people have cars with payments that exceed what they should have bought compared to their salary.
I can't comment to specifically without doxxing myself, but I will say this: The place I work and my coworkers I work with are part of the government which are NOTORIOUSLY underpaid for the duty they do. It also doesn't help that Colorado has become nearly as expensive as the rest of the west coast to live in. I understand your sentiment, but in this situation, it's not entirely accurate to think it's a bunch of niggers with gibs money.
Plenty of whites over extend themselves with cars as well from what I have seen. My view on this might be biased since I drive my cars well past when they are paid off. I just recently bought a new truck with 10 grand down and have been making double payments each month with the goal having it payed off in 2 years. I understand most people don't buy cars this way. I don't think my next payment is even due until March because of the double payments.
Yeah, most of the world doesn't work that way anymore. Just 1 example. I have an employee in my wing who just finished her degree this past summer and is working her first job now in this place. She needed to buy a car, a used chevy cruze, which still has a payment over 300 a month because of how fucked the market is. Her portion of the rent in her room mate situation is 1500 a month. her student loan payments are in excess of 400 a month (she won't tell me how much) plus whatever her credit cards are because her parents refused to help her during college with anything. So she's having to build from basically nothing, with no outside help, in an area that isn't easy to build in.
I get it bro, I really do. There are a lot of people who are bad with money. But there's also a lot of people who are fucked by the US system now and are just scraping by. And if their paycheck is shut off through no fault of their own, what exactly are they supposed to do?