I don't blame them for looking into it but there aren't many people who want to give up the money to do so. In a way, I guess they don't want to cut back on spending and I prefer not to have so much debt.
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It is a preference. But it is a bit like people who can't talk about other religions, as there is a fear that they might find a conflict with their own. People don't want to change what they are comfortable with, even if it isn't working.