I have to admit that I get a bit frustrated when I see that people are trying to blame their lack of savings on the system or some other entity. The people I know that do this almost always have much nicer phones than I do, have tons of stuff that they do not need, yet have the audacity to complain about how it is someone else's fault that they don't have a big bank account balance.

I'm sure there are some genuine situations out there that the system can be blamed but I believe that it is largely because of excessive consumerism that most people don't have any money for the future.