[sc_rufctr]

95% of the people I meet are complete idiots IMO...

I don't understand how they can even pay their bills and rent/mortgage on time.

No budgeting... No sense of tomorrow or what they can do to make their lives better.
Just perpetual victims of credit card companies and fashion.
They keep doing the same thing over and over again and then wonder why they are broke and nothing good happens.

They never take risks thinking they'll be safe the way they are and so often fall into a heap when something unexpected happens.