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It's some of both I'd wager.
There are areas where the dearth of jobs funnels people to WalMart. Especially after they have killed most of the businesses they compete with in that area.
There are also people unwilling to risk what they have for what they might. They could do with a little bit of initiative or a bit of "shut the fuck up or fix it."
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I have gained this from philosophy: that I do without being commanded what others do only from fear of the law. - Aristotle
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