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> because such options aren't available to everyone

So ? If it’s aplicable to you take it if not seek better advice

I love the universal advice police - everything has to be available to everyone or else it’s useless

Serious question, why didn't you apply that reasoning to what you posted? A lot, probably the vast majority, of users on this site that actively post have had little if any direct experience with what it is like to actually be extremely poor in the United States.

I would urge you to reconsider the group you are talking to. Many many tech people come from immigrants families that were not born into any kind of wealth at all.

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