Comment by niemandhier

In many cases that is the desired effect:

Cashflow constraints are a good predictor for problematic behaviour.

Example: Being poor is not the reason for drug addiction, but drug addiction will make you poor in the long run.

The one good thing about this is: As low liquidity is often used as a classifier to gate access, a single kickstart payment can sometimes do wonders.

A security deposit for a flat and money for a Costco card can change lives.