         ‘Sentence: 4: What’ are ‘thosé-with. lowet "incomes  often unable to manage?    ‘Sentence .2:.1f the state does not. provide’ these:  Services, then-for.those.on lower iticomies, the costs  must -be™-borrgwed “and. often’. those. on. lower  incomes. aré :thosé who’. are.“worse- equipped..to.  ianage théir finances.    