None of that really matters. The people who can buy big trucks, generally, can afford to. Or at least with debt. Can't get a $100k car loan if you make minimum wage.

These are all small luxuries that people deserve to have (disagree about trucks, but that's just an example). Otherwise it's calling for austerity. Which is something we DON'T need. Not when we have billionaires. If the working class is being asked to tighten their belts, they should instead be looking to the rich who are hoarding the vast majority of wealth.

That being said, we really need to teach young people about finance. It's completely lacking from modern education: be design. People desperate from credit can't afford to quit their jobs for a chance at a better one, stand up to their boss, or risk their job by unionizing or demanding safe working conditions.