From an example that I watched: He just got out of prison. He had very little money. He bought a cheap car that kept breaking because he couldn't afford payments on a good one, but the repair bills kept costing him. He couldn't pay the car insurance six months in advance, so he had to pay month-by-month, which is more expensive. Those are the ones I remember, but it seems that there were others. It was literally more expensive for him to do things than it was for me to do the same things.