Why do people take on so much debt?

[Judique]

Well, NOBODY needs an Iphone. That's the issue. A $50 Smartphone from Target or Walmart will do everything they need to do for hundreds less. HOWEVER, that doesn't matter because low income folks get cell phones and service at no charge thanks to $1.11 Universal Access fee all cell phone users pay each month per phone to pay for those phone.s

That sounds good but from what I can tell after examining a few options, is that the $1.11 is in California, not necessarily across the country. From Xfinity, here in Maryland, there are two fees, totaling $4.88. These are 'recovery fees' that Xfinity is allowed to pass on.

There is a federal plan for internet that is currently funded through April of this year.