Because Being Broke is an Endless, Cyclical Trap That You Will Never Escape From

Scientists have found that the stress of poverty leads to brain damage...which leads to us being incapable of securing a promotion, creating artistic masterpieces or performing 1st grade level math. This in turn leads to more poverty and hence, more stress and more brain damage, drawing us into an endless, miserable cycle that we have no chance of escaping until we die and pass our debts on to our children. It's a beautiful world, people.