Comment by Apocryphon

> Let's assume for a moment that people are not helpless imbeciles who need us to tell them what to do and that they choose the best option available to them, within the constraints of their life.

That's a big assumption to make, especially on the lower end of the socioeconomic spectrum; desperation often leads to suboptimal decisions:

https://news.ycombinator.com/item?id=16461773