The powers that be have a vested interest in you being utterly confused by a financial system where a series of simple mistakes can leave you in debt for the rest of your life.
Madness string 82175
Those that walk the wasteland know that the world isn't a kind place. Sometimes people think of the pre-war days as a golden age, a time when people were better to each other. But there wouldn't have been an apocalypse if that were true.