You know your neighbourhood is in the shitter when...

...loads of instant-money or check-cashing services pop up in your area. Weston, my area of Toronto is becoming poorer and poorer, and you can see it creep in. First it's the big chain like Money Mart... then it's the smaller ones you've never even heard of. Fees, fees, more fees. Less money in the hands of residents leads to fewer purchases, increasing numbers of dollar stores, and a crappier neighbourhood.

People don't even go NEXT DOOR to the bank and open an account, which will save them loads of money in the long run.

Wonderful.