The guy making over $250K can easily wind up just as bankrupt as Scalzi's sad sack who stumbles around dropping his mac 'n' cheese on the floor (grip the bowl firmly, people). Saying the higher income folks just have a money management problem is just plain wrong, unless you want to also admit that the sad sack guy has a population management problem because he's gone and had kids he can't afford to feed/clothe/educate properly. Both have made choices they can't support, and I think both are entitled to bitch about the end result (briefly; and then go do something about it).