'Confused', further proof that you have no clue..... and that your name fits.
Absolutely, people make a lot of opinions based purely on the way a person writes on this forum (or anywhere else). Especially since the written word is the ONLY thing that we can base an opinion on. If a person can't put a complete cognitive sentence together, it is a direct indicator of how parts of their life can be. If there sentence structure, spelling and/or grammar are poor, it is indicative of a lack of education, lack of learning ability or a lack of desire to 'follow the rules'. And some of these can lead a person to not read that contract, not be aware of the things around them, or even to be more likely to forget to pay those bills.
You may not like it, but the fact remains that people judge other people by LOTS of things.... appearance, posture, attitude, speech, and even body odor. No one is saying that the impression is correct, but once made, it is very hard to remove or alter.
So, get a clue. At least take the time and courtesy to make a decent appearance, even a false one.