Most people struggle to get by and they are working more and more—either working longer hours or picking up a second or third job—to pay the bills and meet rent or mortgage payments. In two-parent families, increasingly both parents are in the workforce. Just to meet everyday expenses, they’re borrowing more and more from credit cards, home equity loans, or second mortgages, or from legal loan sharks at check-cashing operations. If someone in the family gets sick and lacks health insurance—forty-five million Americans are in that boat—the economic pressures on the family can be overwhelming. Even if a family has insurance, the exorbitant price of medicine may not be covered, or covered entirely, and paying for the pills can drive a family into despair.
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