Jonathan Raymond — American Writer

Jonathan Raymond is an American writer living in Portland, Oregon. He is best known for writing the novels The Half-Life and Rain Dragon, and for writing the short stories and screenplays for the films Old Joy and Wendy and Lucy. He also wrote the screenplays for Meek's Cutoff and Night Moves, and was nominated for a Primetime Emmy for his teleplay writing on the HBO miniseries, Mildred Pierce... (wikipedia)

Technology requires knowledge and expertise more than it requires money.
It was Dell who came out with their build-on-demand process, where they are able to keep a zero balance inventory. That means they don't purchase parts until an order is received. That is a way to greatly reduced overhead, since you don't need to warehouse parts or overstock parts you may not end up using.
You can't know what you don't know. You can't know about things you have yet to discover.
Banks will fee you to death. If you bounce a check, the bank has a policy to re-post the check three more times to see if it will be paid. If it continues to bounce they charge a $30 overdraft every time. So, one bounced check will rack up $90 for the bank.
People get into debt head over heels because banks make it so easy to do so. Then the banks come along and act like these people who can't or won't pay their bills are the dregs of society.