For individuals in an instable financial position and in data poverty, this creates an unending feedback loop where they are increasingly unable to escape their situation.
I unigolion sydd mewn sefyllfa ariannol ansefydlog ac mewn tlodi data, mae hyn yn creu cylch adborth diderfyn lle mae hi’n fwyfwy amhosib iddynt ddianc o’u sefyllfa.