Joanna, you are right.  It is a serious defect in the data that little
or no attention is given to those costs.

-----Original Message-----
From: [EMAIL PROTECTED]
[mailto:[EMAIL PROTECTED] On Behalf Of Joanna
Sent: Saturday, September 27, 2008 6:25 PM
To: [email protected]
Subject: Re: [Pen-l] Chase Manhattan late fee

"In The Confiscation of Economic Prosperity, I have a short section on 
fees (and other costs borne almost exclusively by the poor), because 
such costs do not count when the government measures real income.  I 
think it is an important subject.  A former student who works for the 
BLS tried to interest people there in the question, but without
success."

It is incredibly expensive to be poor. The whole game is set up so that
if you
do not have the money up front, you will wind up paying twice, three
times the
original cost.

The only way to beat the game is to gang up -- lots of roommates,
private network
of savings, etc. Asian immigrants play this trump card. But Americans
are so 
brainwashed about individualism and so paranoid, they try to go it
alone....

....sure recipie for disaster. 

Joanna

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