[yummyfajitas]

Strangely, the average Indian (vastly poorer than even poor Americans) manages to save 20%.

Lets distinguish "incapable of saving" from "unwilling to reduce consumption".

[icedchai]

I think "consumption" is baked into American culture. Most people are not going to save, period.

[thfuran]

Am I merely "unwilling to reduce consumption" if I refuse to save money by not paying for internet or a cellphone plan?

[itsybitsycoder]

Are those really the only optional expenses you have? I would find that very surprising.