The people who need this idea the most are the ones whom generally have to pay the most for other things.

And this sounds close to the argument that people make against the poor having smartphones, without realizing that there are lots of cheap smartphones out there, and generally this is their own connection to the internet, which is increasingly needed for everyday life.

You're likely correct, but you and I could probably give them a list of 50 things they "can't afford" to be doing in about 10 minutes.

Point is that it's not for us to say what a person does with their money. If the only benefit of this is that it gets a person through college or post college table hopping without a completely destroyed credit, perhaps it is worth the $150.