> Maybe show some real life examples of middle class families that got out of control with financing toys and wants… and then ended up in dire situations.

I showed a few videos of Caleb Hammer on YouTube, where he does financial audits on others. One was a married man where him and his wife combined made >$200k, yet he owed I think $40k in back taxes; another was a 24yr old entrepreneur who was living paycheck to paycheck (even after his father being his landlord and giving him a steal on rent).