That's fair. For instance, company stores in mining towns were clearly designed to trap employees into a lifetime of debt with almost no personal choice in the matter.

It's the choice aspect I focus on. No one is forcing them, and it's borderline elitist of someone with a nice job to say "that's gross work and I think it should go away so things are less gross", along the lines of thinking families straddling the poverty line should simply "eat more quality food"