Poverty is an ever-growing problem affecting much of the country. People fall into financial holes and certain industries make sure that they stay there. Low-income individuals are targets for businesses that make their money by providing needed benefits now with an exorbitant cost later. Jacob S. Hacker, a political scientist at Yale, has said that low-income people are forced to live beyond their means by businesses that target them. According to a series in The Buffalo News, “The High Cost of Being Poor,” there are a number of unethical practices being perpetrated against low-income producing people.