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- There's no need to take on credit card debt while making $10/hr

- Proper diet and exercise is far more important to your health than health insurance. Health care has little influence on health outcomes (see the Oregon Medicaid Experiment and the RAND Health Insurance Experiment).

- A substantial minority of jobs in the US that pay <= $10/hr require strenuous physical labor.

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Credit card and predatory loan companies target low wage workers before they are even old enough to vote. They aim to get you in a cycle of debt and many of the targets for this type of lending do not have family support to help them avoid falling into the trap. In fact their family are likely to be other impoverished people who have fallen into the same trap.

You're mixing up fitness with healthcare here.

Diet and exercise are great, but they're not going to fix a severed finger or a broken femur.

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