No, people are saying, "why don't these people just spend less money."

I would bet that there is a good answer for that besides the simple one that they are "just shitty people" that many are jumping to though.

For example, maybe they don't think much about the future because they feel they have no good future regardless. So they take the hit to ease a little bit of the struggle. My point is that I suspect a lot of the "haters," so to speak, in this thread have never experienced hopelessness in their lives before.