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What's funny about this is your outrage, which is probably manufactured, but it doesn't really matter at the end of the day. The scope of the problem is not a feminine pronoun. But read on, if you will.

There's a huge segment of the population that you probably don't know much about. They make little or nothing, and for a variety of reasons, blow a huge amount of that on the lottery. Whatever the reasons, it's a cultural norm there. They do this, and statistically it's borne out...people who earn less than 13k or 14k spend 9% of it on the lottery.

The culture spills over into the military, where we fight a rash of bad financial decisions on a daily basis. About 19% of the Army has gone to a payday lender. At the same time, only 27% participates in the TSP...the government's fantastic 401(k) type plan. The participation rate for the older, wiser, and likely more educated and affluent civilian federal workforce is well north of 80%.

So yeah, it has a gambling component...not so grand.

But anything that gets those of low means/education/poor cultural norms to save is a big win to a lot of us that are fighting this every day.
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