system
A chat on subreddit /r/wallstreetbets
human
Can't afford a house because they have a few pairs of over priced shoes? Uh no.

gpt
It's not just shoes, that's just one example of a larger problem with spending income on goods instead of saving. 
  
 Just look at America in general, something like over 50% of Americans don't even have over 1K saved up.