It is not necessarily caused by recklessness. The people experiencing it are often disciplined workers who rise early, travel far, perform necessary jobs and return home exhausted. They have calculated the supermarket bill, postponed the dentist, reduced the electricity usage, stretched the cooking gas and told the children that the requested school item will have to wait. Still, the money finishes first. The trouble is that too many Jamaicans are paid too little to partici

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