> Consumers need to be more responsible and skeptical about the choices advertisers want them to make. Don't have so many kids, stay healthy first and foremost, don't develop bad spending habits, do develop good savings habits, and use your job as a vessel to forward your career, and not your paycheck.

You're speaking from a position of privilege in time, money and access. Many people start out life with involuntary handicaps, physical ailments and hell, just shitty luck. It's very easy to criticize people who made one or two bad decisions (or had bad things happen) early on and have to deal with it.