What you say is very true, in many cases there is no education for saving, in others it is not enough to save part of what they have earned because they live from day to day, as we say here, and in others, a common case in our country today due to hyperinflation, people live from credit on credit, that is, they lend to be able to continue and with each new loan they amortize or pay off another one. But generally it is just as you say, people invent a lifestyle with unnecessary expenses and end up shipwrecked in case of unforeseen events.