[kenward]

My experience is pretty similar to yours but I think what you need to try to understand is that everyone has a different level of what is an acceptable "minimal" lifestyle. For a lot of people, these are habits/behaviors that they grew up with as well. It's complicated.

Lack of financial literacy is another problem that, I think, exacerbates the above.

[aardvarkr]

I understand where you’re coming from but no one is forcing them to have the latest iPhone or make other unwise decisions. Living frugally and depriving yourself of pleasures that others take for granted (like I NEVER use doordash but for others it’s a way of life multiple times a week) is a choice as well. Having a high acceptable minimum lifestyle is their choice and choices have consequences.