The thought of saving for later is actually very difficult for humans because of their past living in wild and need to eat the most when they could to survive the days without food.

I think we still have part of it that's why it's difficult to start and then gets even harder to keep saving for the future passive income.

Inflation is a big problem. People usually don't make the math considering it, it's the return minus the inflation then the profit is really small, like 0,5 to 1% in bonds for example.