A lot of people underestimate the importance of emergency funds, it could save one in grave situations. He'd totally ignored all my advice before now and this is the consequence.

I'm sorry for your brother's situation. I also think that sometimes, many people cannot even meet a square of their daily needs, let alone saving up emergency funds from a meager income.

Another factor is some people's disbelief that there would ever be any cause for emergency alarm in their lives, so they just spend everything they have and believe that if at all emergency comes, the money for the emergency will come under a miracle. I have a lot of people that go about with this idea.

And in the area of debts, not just only your brother is a victim, so many people are. sometimes people run into debts due to lack of contentment or unnecessary wants and then expecting to fix their debts, but realizing the next income is not even enough and they run into more debts in a bid to tag along with the society.

As for our Nigerian system, it's really breaking down and nobody is helping matters not even the people who were called to be life savers.

Take heart, just do your little best for your brother, but don't get yourself worked up. You have your own life to live too. It is well.