It's not common sense, that's a common false judgement applied to people with less means - it's a value judgement and diminishes their struggle. This is a reminder to be nice on our instance.
I'm not rich, I know what I'm talking about. When I'm going to spend money I have to look the best way to spend it, which is the best "invest". Being wasteful is an luxury I personally can't afford.
Fantastic, I'm great you have that going for you. I'm letting you know that making value judgements on other poor people for being poor is not okay. Don't do that on Beehaw.
I told you that you need to change your behavior and all you've done is attempt to argue with me rather than understand why your behavior was not acceptable. You're getting a 7 day ban so you can have time to think this over.