If they are struggling then money they spend in one area affects their ability to pay other bills like rent.

And that means YOU, me, WE paying the bill for what was in fair-share a CA person-made catastrophe via there idiotic actions. 

Where it gets interesting is that the house has 5 mailing addresses associated with it and the fire prevention bureau has on their records it is also a 5- unit house, and I am billed as such upon annual renewals/inspections.

Yet, I regularly correct major errors made on tax returns by HRB people and even by CPAs.

The amounts of square footage cover is so low the delta becomes a rounding error. 

For example a 25 y o applicant who has used credit minimally and has an unpaid bill of $50 in collections from when they switched phone carriers may have a low score, but the only negative on their credit is this one SMALL $50 debt.

You could read 100 books and still need to learn more because certain things must be learned through trial and error.

You could read 100 books and still need to learn more because certain things must be learned through trial and error.

And Fed funding means "bill all the rest of America for us". 

You could read 100 books and still need to learn more because certain things must be learned through trial and error.