I didn’t call anyone lazy — those are your words.

I know (lower middle class) people who went bankrupt in the Great Recession because they had 2 or more mortgages, obtained with a 5% down payment. To me, they took too big of a gamble, and lost.

I know others who stayed out of such gambles and survived the GR.

I know others who had to significantly downsize or live with family members because they lost their job and then spent their savings.