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That's good history, but in terms of a 20 year old not having a credit card and no money, that's just ignorance and choices. You can get a credit card at 18 with nothing to your name, about a $300 limit to just build credit.Did I mention that they also have no credit and can't get a credit card?
Other than that, I agree with your last paragraph.
And likewise, my father went to work at the age of 13 when his dad died. He worked to support his widowed mother and 7 younger siblings.
They lived here...
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And he worked here...
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