The I can't afford award goes to...

In my research of finding out if some of my assumptions are true that is that although my neighbors comunity and friends have a great standard of living (vacations cars houses jobs) the real truth is that a hiccup in their paycheck could potentially bring there standard of living to a complete halt. They would probably then go to their church ask for assistance so they can get by all the while holding on to the house car and even rvs and ATVs.  I found a few examples of people like that. I don't know about  them asking for assistance but reading their adds you can tell they were greedy for themselves and it eventually caught up to them so I would like to highlight a few of these people I have found and eventually have a name of an award for them. For the sake of privacy I will not disclose real names.
Let's start with Lisa. Lisa lives in a very nice neighborhood in Utah.  Her original post said she had lost her job and needed to sell her motorcycle because she can no longer afford the payments.  She bought it for her husband for Christmas but due to a job loss she needs to sell it.

One of my rules of buying a gift is do not buy on a credit plan that you have to make payments. Have your gifts paid for because you don't know if you are going to lose your income and then tell the receiver of the gift "oh by the way you know that gift I bought you I really didn't  pay for it my finance company did and although it seemed as though we owned it we don't so I'm going to need it back so I can sell it to save my credit. It's the thought that counts right? " Also notice the house and neighborhood she lives in. It is a very nice neighborhood in her comunity. I personally know these houses are worth around 300 K. I bring this up because if your going to buy a luxury house (In my opinion a luxury house is anything above 220K in utah since the average wage is around 40 )back it up and I don't mean by a steady job because in my opinion most jobs are not steady. I mean by putting a large enough down payment to make your monthly payments affordable.  Have enough left over each month to save for an emergency fund. Have an fully funded emergency fund that will get you through 6 months of hardship.  In the end if you don't protect your what's important it can be taken away from you. Trust me I have close friends and family members who have taken advantage of people like this and have scored big time through someone else's mishandling of money.