Even for those in A (me, I still live at home), my job doesn't make THAT much money? And I still have to save for College, etc...I still have to pay for lunch at work, my tuition, textbooks. If I spent my ENTIRE paycheck on ponies? Sure, I could buy a lot of ponies. But it would very quickly bring me down to my savings and I'd be drowning in more student loans than I already expect to drown in.