And he's paying more for every form of insurance with a shit credit score. Nobody will believe me on that, so source for Car insurance here. If you have excellent credit in Kentucky and a DWI conviction, you pay roughly $1400 less than a guy with a perfect driving record and shit credit. If you have a credit score in the 600's you cannot get life insurance, period. So if you have a family and want to protect them if you die, nope. And the ACA exchanges also do a credit score check and base prices accordingly. So you pay more and get offered higher deductibles which eat into your income. Add that owning a house is out of the question so you need to rent, which depending on where you are ends up robbing you of net worth, equity to tap into when times get hard, etc. I have the income and credit that I can go out and buy two houses in the $100,000 range with minimal down and rent them out for what a guy I know got on his mortgage for a $80K house and 15K down. He got divorce raped and missed a mandated child support payment and has a wage garnishment on his record. If you think bankruptcy is terrible...Realistically? My credit is good enough - and his credit is bad enough - that I can literally afford to lease him a car for the difference between him buying a car and me buying a car.