[BizarroLand]

I don't believe people with the option of not living paycheck to paycheck would choose to do so given the opportunity.

That being said, I don't think the term, "lifestyle choice" effectively communicates the reasoning behind this lifestyle standard.

[fragmede]

I think there's a lack of financial education in a lot of cases. There are two axis, dumb with money vs smart with money, and rich and poor. These form four quadrants. There are people in each of those quadrants. It's the poor and dumb with money quadrant that's most painful to see. CalebHammer on YouTube helps people to see how their choices result in them drowning in debt.