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Terry Pratchett's "Captain Samuel Vimes 'Boots' theory of socio-economic unfairness". The best quote I've ever read about why being poor can be so expensive.

There are numerous examples of why it is more expensive to be poor. Poor can’t afford preventative health or dental care. Eating healthy is more expensive. Poor borrowing pay a higher interest rate. Routine car maintenance is costly. I’m sure you can think of more reasons