Please let me clarify first: anyone who is extremely poor or wealthy is not included in this discussion. Only those who are employed with steady income, some savings and spare time will find this topic useful. I guess most of us are doing fine now but financially we have to face one common problem: how to spend money. This issue leads to many consequences if not handled properly. Here I would not start any broad and subjective agruement. To deliver my message clearly, I am using some specific examples to elaborate. For example, a lot of peole complain that their income is not enough to cover their daily expenses so they can't save much money while...they spend seven bucks on a cup of coffee almost every morning, throw a hundred dollars on some gym membership cards but never show up training, have dinner with some random girl in an expensive restaurant, buy drinks in bars and waste hundreds of dollars... The list goes on and on. If you live this kind of lifestyle and at the end of months, you are running out of money or can't pay the mortgages, whose fault is this ? I can not provide any statisitics but I am sure that many people have fallen in the trap and can not get out. I hope you are not one of them.
The situation differs from each of us, there goes those type of people that have been living just the way you've defined. But, there are also people that have barely enough for living even how hard they try, thanks to inflation and unstable economy of the country where they're living.
Those that have been living that lavish lifestyle and yet they complain later on that they have got nothing enough, they should learn how to manage their budget and stop being spendthrift.
Anyway, either of the two situations, we really need to do something like adding another source of income.