To be fair, social media is hard. Quick, reactive, touchy, clever, hot-headed, coolly cheeky. It can be humanely generous or rollickingly trolling

It can also be bad, like Chase on Monday. So bad that the bank erased the tweet. So bad that others took a screenshot to make sure it stayed around. So bad that it turned into a sharp reminder by a presidential candidate of Chase's role in the economic collapse and Great Recession not all that long ago.

Money is a sensitive topic. Some people are doing marvelously well. Others are struggling. There's even evidence, as I wrote over at Forbes, that a higher minimum wage and earned income tax credit could help reduce suicides among lower-wage workers.

But there are plenty of people making shallow and uninformed comments about the conditions many face. As Helaine Olen has written repeatedly, the claims that, for example, giving up coffee and investing it in a tax-free fund would make you a millionaire are built on a pile of hooey, ignorance, and misrepresentation of reality.

So what does Chase do? It chides people for eating and drinking out, assuming that's the overwhelming reason why they don't have more money. I'd point you to the original tweet, except the company excised it, but here's a screen capture that Yahoo News managing editor Colin Campbell posted:

Talk about condescending, chiding, and tone deaf at a time that income inequality and crushing education, housing, and healthcare costs are bruising millions and millions of people. Could people have a little bit more if they didn't spend? Sure. If they're commuting and working long hours or moving from job to job without the time to get home to have that coffee and food, is it realistic? Probably not

And put that aside for a moment. In today's political climate, particularly on Twitter, that was essentially standing up and daring people to sling their best/worst responses and talk about thinks like Jamie Dimon's pay, the huge bonuses that industry people in New York can get, and the Wall Street bailout after banks helped tank the economy. You tweet something like that and you might find that the likes of Elizabeth Warren decides to take aim--and whether you like her or not, she knows her stuff in the financial area and has the data to make a rebuke sting more.

Along with another screen capture of the tweet because a lot of people are savvy enough not to let a company make something disappear into the ether. Here's Chase's current tweet on the #MondayMotivation subject:

Yeah, that should pave things over.