For someone with a hole in their hand getting a handle on their expenses can be a first step towards actually doing something about it. I would not rule this out as a failure quite so easily.
They'll have to make it super easy to use though.
They'll have to make it super easy to use though.
As an aside, while this demographic has less total buying power than that of responsible consumers, it's also a hell of a lot more likely to buy stuff. Possible net positive?