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The vast majority of young families in the frum tzibur are very responsible, work incredibly hard and pay their bills on time. However, there are a small number who sustain the stereotype of the irresponsible and bumbling kollel yungerleit who somehow have a sense of entitlement that the tzibur owes them a parnassah and the “stuff” they need (childcare, chinuch, rental payment, groceries etc) should be free or paid by others. If you try to collect an overdue bill its like they say, “the Ebeshter will take care of my obligations since I’m shteiging 24×7) . Again, this is a tiny minority of frum familes but they convey a much large negative image which gets magnified by the retelling of these incidents.