I would say that the emphasis on materialism and objects is what makes pop culture one where its members must have disposable income. The fact that folk culture embraces an "old world" element that probably does not value money in the same manner as its popular counterpart is one where I think that there is less of a materialist element present. Popular culture, rooted in materialism, along with its appeal to mass consumerism is one where money is needed in a more dominant manner. At the same time, I think that the essence of popular culture's fascination with material wealth and "things" necessitates more disposable income than folk culture, which is more rooted in the past and strong implications where I think that there is less of an emphasis on materialism. Additionally, popular culture is one that stresses less in terms of savings and investment and more spending via disposable income on "things." The need to get new "things" that represent the embrace of popular culture is one where money needs to be spent in a free and disposable manner.