It's just math: nearly 70% of people have nearly no savings, but market penetration for a lot of luxury devices when put together is a heck of a lot more than 30%. So there's an intersection. How large is it? Who knows.

And while I was never homeless, I spent most of my life having to pick between rent and food and surrounded by people who were in the same boat. That's where I've seen that situation happen times and times again.