The Salhis, and many others living in similar circumstances, have found a brilliant way to solve several problems at once. On Levels 2 and 3, families often do not have access to a bank to put their savings and cannot get a loan. So, to save up to improve their home, they must pile up money. Money, though, can be stolen or lose its value through inflation. So, instead, whenever they can afford them, the Salhis buy actual bricks, which won't lose their value. But there is no space inside to store the bricks and the bricks might get stolen if they are left in a pile outside. Better to add the bricks to the house as you buy them. Thieves can't steal them. Inflation won't change their value. No one needs to check your credit rating. And over 10 or 15 years you are slowly building your family a better home. Instead of assuming that the Salhis are lazy or disorganized, assume they are smart and ask yourself, How can this be such a smart solution?