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I was asking myself a similar question - do people want out of debt bad enough to cut spending?

Even if the answer is no, you can still make money from people's desires. Gyms are the best example - they sell access, but it's up to you to use it. For most people the sad truth is that the gyms end up taking money for nothing, and customers keep paying because of their own idealism. ReadyForZero, whether or not they like this idea, could profit in a similar way.



Hm, targeting customers with a history of uncontrolled spending might be the real genius behind this?




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