You're absolutley right -- perhaps these people could be categorized as "willing to make changes, but realistically unable to do so". I think many of us can see options in our lives that'd be good financially, but they aren't really viable given the circumstances in which we live. For example, I would be perfectly willing to walk or bike to work -- it's only a tad over a mile, which is perfectly do-able in good weather -- but the roads are very busy, I'd have to cross a major intersection, and we have no sidewalks, so even though it looks like something I could (and should) do, it just isn't safe. That's not quite the same as a person who wants to get rid of the gas guzzler but can't . . . but the theme is similar.