Thanks for trying.
I think I laughed the hardest when I read that she wrote, "never argue with stupid people, they'll wear you down and beat you with their experience."
That's you in a nutshell. Good day. :-)
The fact that she's ignoring the facts and is making false claims makes me now suspect that she's merely a DU troublemaker or something. Then again, many people complain about how much they are giving to the government each year yet didn't get behind President Bush 41 when he proposed eliminating income withholding--something that would have given Americans a LOT of money off what they pay each year, by saving them the lost interest.
On the other hand, perhaps what she's saying is merely, "layaway is a convenience I want everyone else to subsidize." instead of suggesting people use an alternative method of saving their money for purchases.