More than a year after being laid off as a software engineer, Jesse Jashinsky still couldn't find work. He was supporting his family on a patchwork of unemployment and SNAP benefits, help from their church, and increasing amounts of credit card debt. Then their car broke down. Replacing the transmission was an emergency expense they couldn't afford. So Jashinsky made a crowdfunding campaign on GoFundMe and put it on Facebook. A few days later, he shared it on another social network, writing: "I

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