Put it back into my community? So by not shopping at Albertsons for my paper towels I'm robbing my community? Please. This is the real world. I have two children and a limited income. I'm not going to over-spend to "help my community", and be left without enough money to buy diapers at the end of the month. Yeah, it's a vicious cycle. I didn't create it, I'm just playing the cards I was dealt. I don't have the luxury to "think about the greater good". I need to provide as best I can for my three dependants and create a savings so my children can go to college. The plan you propose would leave my kids without food, diapers, and college fund.