Blaming poor people

Too often people who aren't poor, have never been poor, think they know what poor people do wrong.

The USA
"My Dad was poor as a church mouse and he worked his living rear end off for his Right Wing task masters all his working life – - – 8 to 12 hours a day and was on call 7-days-a-week in every kind of weather – - – and he never earned more than $35-a-week digging graves in the Republican-Owned cemetery in the Republican-dominated county and village where we all lived until I was of age and when I left home to go out in the world and become – - – a Democrat!"

The UK
If the curtains in a poor house are closed during the day better off people tut tut and assume that person is lazy. It could just as easily be someone who's finished an exhausting night shift, say as an underpaid office cleaner or care home worker and badly needs to rest.

In the UK Incomes are stagnating while prices rise so work no longer provides a sure route out of poverty. Two thirds of UK Children in poverty are in families where at least one adult works.

Racism
Racist employers are less willing to give Black people, Hispanics or other minorities well paid work, then when high proportions of minority people are poor racists blame the poor people from ethnic minorities.

Food
For very poor people even getting enough to eat can be a problem.

Real hunger in the UK
In the UK in the 21st Century there are unfortunate people who can't feed themselves or their families. A computer malfunctions, there's a slip up at an office so a benefit check is late, bureaucrats who aren't themselves poor delay processing a benefit claim. For people already on the breadline that type of trouble means no money and no food till the problem is sorted and that can take a long time. Even people in low paid work sometimes need to get food from food banks if there isn't enough money coming in.

"Many parents tell of going to bed hungry themselves in order to feed their children. Gove would call that reckless parenting."

Welfare cuts under the present Conservative and Lib Dem government have increased the numbers of people needing Food banks by 175% which is a lot.

"Chris Johnes, director of Oxfam's UK Poverty Programme, said: 'Thousands are now turning to food banks, but they do not so out of choice, they do so when they have nowhere else to turn. 'The staggering rise in the numbers of people using food banks is down to failings in the benefit system, too many low paid jobs and rising prices that are dragging huge numbers into poverty.' In May a report by Church Action On Poverty and Oxfam suggested up to half of those seeking help were doing so as a direct result of having benefit payments delayed, reduced or withdrawn. Other factors behind the increase on those using emergency help - the 'hidden hungry' - include rising food prices, unemployment and energy costs."

Mark Goldring, CEO of Oxfam's said: "The shocking reality is that hundreds of thousands of people in the UK are turning to food aid. Cuts to social safety-nets have gone too far, leading to destitution, hardship and hunger on a large scale. It is unacceptable that this is happening in the seventh wealthiest nation on the planet.'" Those who don't get to food banks go hungry together with their families. When children go hungry the UK government likes to blame the parents and ignore how their policies contribute to the hunger problem. Bad monitoring means we don't know the real number of hungry people in the UK but it could be as high as half a million.

Eating healthy food
Poor mothers know what their children should eat but can't get their children to eat healthy food or can't afford it. Poor mothers play safe getting their children something they know the child will eat. If they risk something different and the child refuses it mother has to throw food away. Then money that could otherwise have gone towards, say the next gas or electricity bill gets used up paying for something different that the child will eat.

In many poor areas healthy food simply isn't available or there is less about and what there is ends up pricey.

Well meaning advice
Poor people should buy cheap food and cook it slowly, some cheap cuts taste marvelous after 5 hours slow cooking. Better off people who recommend the above just don't know what they're talking about. ''Should poor people really risk getting their gas or electricity cut off when they can't pay their fuel bills? After cooking cheap food slowly for 5 hours at a time that could too easily happen.''

Getting into debt
Poor people sometimes get into debt, a few possible reasons are given below. If you are poor disciplining yourself to avoid unnecessary expense reduces the risk you'll get into debt. Even disciplining yourself to cook your own food instead of going to a cheap cafe saves a bit every time you do it. Looking to where you can save money before you get into debt reduces the risk an unexpected bill will force you into crippling high interest loans.
 * 1) A benefit check hasn't arrived or is unaccountably short, there just isn't the money to buy essentials. What does a poor person do then?
 * 2) Grandfather/grandmother has a chest infection and the doctor advises the family to keep the bedroom warm. The infection lasts a long time and the family fear a loved elderly relative could die. Later when the fuel bill comes it's much higher than the poor family can easily pay. Keeping a child's sick room warm, keeping any sick room warm can also cost a great deal of money.
 * 3) There were a great many important bills of whatever kind and when the rent bill arrives there just isn't enough money to pay it. The landlord threatens eviction.
 * 4) A purse or wallet is stolen, there is no money to last till the next wage check, benefit check arrives.
 * 5) Parents want to buy a nice present for their children at Christmas, perhaps a computer which will help them with their School work. An irresponsible Loan shark lends the money but makes sure the borrower doesn't understand the crippling interest rates.
 * 6) The United States doesn't have Universal Health Care, many comparatively affluent Americans become bankrupt because the their medical insurance doesn't cover all medical costs the way they thought it did. “Unless you’re a Warren Buffett or Bill Gates, you’re one illness away from financial ruin in this country. If an illness is long enough and expensive enough, private insurance offers very little protection against medical bankruptcy…” (Steffie Woolhandler, M.D., of the Harvard Medical School).   Poor Americans can't afford decent health insurance at all and if they become sick their plight is worse.

Pay day loans
Pay day loans are run by irresponsible firms that take advantage of poor people. Pay day lenders charge very high rates of interest but operate just within the law.

Loan sharks
Loan sharks are criminal money lenders, loan sharks have ways of forcing repayment.

"Victims turning up at casualty with broken limbs and acid burns inflicted by debt collectors - and strokes, brain haemorrhages and depression brought on by the fear of crippling interest rates."

When I read the article quoted above I was shocked to find out how much damage criminal loan sharks are causing in my country. Please read the article: '''[http://www.mirror.co.uk/news/uk-news/loan-sharks-putting-thousands-people-1295723 Your money or your life! Brutal loan sharks putting thousands in hospital]'''

In the big city where I live the local authority pays for advertisements warning people about loan sharks and many of these advertisements are in places like buses where poor people have a chance to read them. The same local authority is responsible for some of the delays in processing benefit money and getting money to people. Middle class people working in the town hall mostly want to help poor people but people of their class tend to blame poor people for getting into debt. These middle class people feel all that is needed is to educate poor people and discourage them from foolishly getting into debt.
 * 1) These delays can force poor people into the humiliation of relying on Food banks.
 * 2) These delays can also force poor people to endure the tender mercies of the loan sharks.

The reality is poor people are different as all Human beings are, a few are reckless but most are sensible and do the best they can with what little they have. Warnings about loan sharks can certainly reduce the problem but no amount of warning will prevent loan sharks getting victims.
 * 1) When poor people can't feel themselves or their families,
 * 2) When poor people are threatened with eviction because they can't pay their rent,
 * 3) When their fuel supply could be cut off because they can't pay fuel bills,
 * 4) Any situation when poor people desperately need money now can leave them with no alternative except getting money wherever they can. That can mean going to a loan shark and facing the consequences later.

If loan sharks are causing you trouble the police or a Citizen's Advice Bureau may be able to help.

Credit unions
Credit unions offer low interest loans without the problems loan sharks cause credit unions are cooperatives owned and run by their members. Credit unions can help you in the UK, in the USA and Worldwide. If you feel you may need a loan at some point it's worth checking out credit unions in your area.

Bad housing
A desperately poor refugee lived with her children in a substandard rented flat. The air was damp, there was mold on the walls, her children had continual breathing problems. A Guardian reporter tried to get the council to help her and her children because frequent complaints the mother had made herself got her nowhere.

"They [the council representatives] stated that they witnessed first-hand that the windows were shut and they saw a pan on the hob boiling food and generating steam. As you are aware, this is not conducive to a healthy house and will have a negative impact on the property."

None of this was the unfortunate refugee's fault, she needed to cook for her family. (Incidentally when poor people buy more expensive, unhealthy junk food instead of cooking themselves they are also blamed for their predicament.) This impoverished mother also needed to keep the windows closed because otherwise she couldn't have kept her flat warm. This article was written in April 2013 and March 2013 was exceptionally cold in the UK.

Council officials with comfortable salaries and comfortable housing either don't understand or don't care about someone on the breadline. Most care a bit but few understand.

Average people without a good friend and family support structure can be overwhelmed by events such as domestic abuse, divorce, unemployment, or illness and find themselves without housing as well. There are many causes of homelessness and while this page covers a few there are almost as many causes as there are people with nowhere to live. If you've ever wondered, "Why do people become homeless?" you've found the right place to learn some of the possible answers.

Homelessness
Many people with secure housing assume all homeless people are to blame, imagine they personally are superior to those without homes and would never face that problem. Ordinary people without friends or family to help can have nowhere to live due to crises like, Divorce, domestic violence, sickness, Unemployment. Landlords sometimes check credit ratings, therefore in the USA people with, for example unpaid medical bills may be unable to rent housing. The Minimum wage doesn’t provide enough so people can afford to rent place to live unless they share. Sharing can lead to overcrowding forcing tenants to leave with nowhere to go.

Homelessness happens for many different reasons and affects many different types of people. People face abuse in unregulated emergency housing and in the UK benefit caps mean some can't pay their rent.

Religious fundamentalist parents (Christian, Jewish, Muslim, perhaps others) drive teenage kids from their homes because of religious differences. Some teenagers get driven out for being LGBT, others get driven out for converting to a religion that's incompatible with the parents' fundamentalist beliefs, still others are driven out for being sexually active or because they're suspected of being sexually active. Kids may be driven out directly or subject to such severe abuse like beatings that living on the street becomes better than living at home.

People in the USA become homeless due to sickness, when people develop a serious illness they too frequently find their medical insurance doesn’t cover them as completely as they thought. People lose their jobs because of their illness, their savings are exhausted through expensive hospital care, then medical bankruptcy leaves them homeless. The United States badly needs Universal Health Care.

A desperately poor US university professor
Margaret Mary Vojtko was an adjunct professor at Duquesne Roman Catholic University in the [United States of America|United States]] before she dies in extreme poverty. They paid her far less than people with her qualifications usually get. They provided no health insurance, when Margaret Vojtko developed Cancer she had to pay for expensive treatment herself, the United States badly needs Universal Health Care. Margaret Vojtko did a night job to try and pay for her treatment, she couldn't pay to repair her boiler and couldn't heat her home. She tried sleeping during the day in her office at the university which at least was warm. The university got the police to remove her. A few months later the university decided she was no longer an effective teacher and terminated her contract without severance pay or anything. Letters were sent to Duquesne University explaining Margaret Vojtko's plight but those letters were ignored. Supporters of Duquesne University say she was allowed to live free on campus with meals provided for a few weeks but this must have been humiliating for an old lady used to some respect. Providing medical insurance and a decent pension so Margaret Vojtko could afford to live with dignity in her own home would have been better. All Margaret Vojtko got was "intermittent charity and prayers". The fact that Margaret Vojtko needed charity indirectly shows how shabbily the university treated this lady who had worked there conscientiously for decades.

When desperately poor people can't look after themselves it's generally assumed they are at fault rather than that they can't do better with limited resources. Anyway Margaret Vojtko wasn't looking after herself properly and she was referred to an adult protection service, she got a letter saying she looked after herself incompetently and had to see a caseworker or face legal action. This final humiliation was too was too much for Margaret Vojtko, the stress caused her a massive heart attack and she died without recovering consciousness. It looks like the pious Hypocrites of Duquesne Roman Catholic University could do well to listen to what Pope Francis has to say about poverty and show more compassion to their own staff.

Spending money unwisely
We all make mistakes when we spend our money, frequently we don’t find out if a product is good value or not till after we’ve bought it and tried it out. Better off people may, for example go to a café or restaurant which looks like the type their class of people uses, and then decide they don’t like the food and won’t go there again. Better off people may buy a gadget for their computer but later find out it’s nowhere near as good as advertised and doesn’t do anything their computer couldn’t do before. When better off people make mistakes other people tend to assume how they spend their money is their right and we shouldn’t criticise them. When poor people make mistakes other people tend to assume they’re poor and incompetent. It’s no good giving them money because they don’t now how to spend it etc. etc. etc.

The consequences of mistakes in spending money are far more serious for poor people, if a relatively large amount of money is spent on something cheap that breaks and needs to be replaced after a short time that person’s finances can be seriously reduced.

Certainly a minority of poor people have serious problems like alcohol or drug abuse. A minority of rich people have similar problems. Stereotyping a whole group because of a minority with problems is unfair.

Televisions
"Far too many poor people waste their Money on large television sets they don't need!" So say people who don't understand poverty. Even in Developed countries poor people can't afford many entertainments, that better off people take for granted. Cinemas are too expensive and theatres are even more expensive, a club you go to plans a day out, the coach ticket and the cost of lunch are too much, so it goes on. If you can't afford much entertainment except television you get the best television you can manage. Some poor people get televisions on credit and struggle to pay for them, others have televisions which they got before they became poor or which relatives gave them.

Sky TV
Sky TV is a UK television network costing about £40 a month. People on the breadline or close to the breadline aren't likely to have Sky TV, still people with incomes above the breadline but well below average sometimes pay out for Sky. Richer people judge relatively poor people for this and overlook that overlook that poorer people with Sky have few entertainments except their television.

Judgmental rich people
Then there are those rich people, the most important entertainment decision they are taking is, whether to buy a completely new outfit for their next evening at the theatre of whether to risk their upper crust friends seeing them in the same outfit they wore last time. The rich people imagine they know what poor people should and shouldn't do with their televisions.