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I associate with a lot of wrappers- they are neither privileged nor battlers. Just high school kids working at Subway :D

OK, thanks for the clarification

In fact, my understanding of Rick Otton's methodology is that he targets high income people who have trouble getting finance from legitimate sources- perhaps people who have arrived from another country, people with a blemish on their records, or people who have not used credit before. There's...

This comes to the heart of wrapping as far as I was concerned. I was quite happy personally with wrapping- I did like Rick Otton's approach a little better than Steve McKnight's, just as a personal preference- but the bad perception that can be sometimes made, even by people who are quite...