For those of you who voted no on this question, all I can say is that I hope you NEVER fall onto hard times. I hope you don’t lose your job, lose the bread winner of the family, or get sick to the point where you or your family’s main earner can’t work. Because you know what? In a matter of a moment your life can be turned upside down. Nobody is immune. Until you have walked a mile in someone else’s shoes, count yourself lucky because not everyone shares that luck.