you said that was another level to this (it's not). someone piggybacked on what you were saying to say that another level is that black people have "desire to prove we have money by spending all of it" (that is also not another level to this).

it's easy to be financially literate and responsible with money when the economy has, for 200 years, been set up specifically to funnel wealth and opportunity out of other people's pockets and into yours.

therefore, what you were saying and what the person who piggybacked on your point was saying are not another level to this issue, unless you want to count levels above 372. what i'm saying is levels 1 through 371.