Yeah the lag is tough but going without or being late on payments is part of life when you’re on minimum wage. It sucks, I’ve been there. It’s probably a lot worse if you have a family or live far out of town but that doesn’t mean people don’t quit shitty jobs. I’m not saying people don’t stay in shitty jobs either, they do, it just all depends on the person and the situation but most people I’ve known have walked out of jobs that were unbearable at one point or another.