However, It is constrained on south by Mexico, north by camp Pendleton, west by Pacific ocean and east by the harshness of the desert. 

Being harsh in the first instance stands to lose you good tenants, especially an elderly couple who may have been confused or distracted rather than trying to avoid payment.

When it comes to the actual department, I find that the renewal inspectors are more harsh than when they are moving someone in. 

@Robert C.March was a harsh kick, April was all about enduring the depth of the blow & dealing with the injury & pain.

Trans and Experian’s older versions are mainly used as well mostly because they all take into consideration collections more harshly than newer versions.

He would have kicked and screamed and shouted that life was unfair and that construction is too expensive and that reality is a harsh mistress.

But to make a general statement saying "it's due to high spending and bacis inability to manage personal finance" is a tad bit harsh.

Question: without sounding too harsh, why are you even bothered by all of this?

Sorry if this came out harsh, it was never the intent...

I have learned over the years that internet forums bring a lot of like minded people together, however being "online" with a hint of being anonymous, there tends to be a bit more harshness to what it said, than you might encounter in person.