“…There has been much interest among researchers regarding vulnerable consumers (Gellad et al, 2006;Timmermann, 2009;Wilson & Sheehan, 2009;Bartl, 2010;Garrett & Toumanoff, 2010;Harrison & Gray, 2010;Chan & Ghani, 2011;Wilson, 2012;Berg, 2015;Balázs et al, 2017;Knobel, 2018;Graham, 2018). The domain of "vulnerables" are primarily the poor and powerless who pay more (Caplovitz, 1963;Goodman, 1968;Hudson, 1993), the ethnically disadvantaged consumers (Andreasen 1975(Andreasen , 1982(Andreasen , 1993 and the ghetto communities (Sturdivant, 1969;Andreasen, 1997).…”