Society is structured around the car. University students who should be trying to minimize their debts add car payments and go deeper in debt. People on assistance or disability pay their scarce funds for a car so they can get to appointments, or look for work. Some of them are piling on debt, or getting undeclared assistance from family or doing without other basic needs in order to pay for their cars. In lots of places it's difficlut ot manage without a car because communities are designed on the assumption most people have one.