It can be exceptionally difficult to disentangle from the legacy company and financial system. Everything seems set up to lure us into some kind of payment plan to make it easier to succumb to buying the eternal "upsell" that goes with every single transaction we ever make.
Consume, consume, CONSUME!
Even programs like Acorns Investing that look like they were created to help the average person in the other 99% get a foothold in the world of investing comes with sideline offers like "sign up for our rewards credit card!" designed to pull people away from actually investing and instead getting sucked into falling behind.
=^..^=
At the rate we are going, soon bread and milk will com with a buy now, pay later option.