1. Not at all.
2. Why encourage people to spend "rent money" on a pair of shoes, or a bag, or other non-necessary expense?
Someone just told me about an actual conference where the sole purpose was to teach retailers how to market to Blacks. They said Blacks did not save for the future, are impulsive shoppers, don't look for sales or use coupons, spend the most on items and accept the highest interest rates because it is likely that the credit is already bad. This information came from someone who was not Black. So, can you see why your statement would bother me?