I just wanted to come back to this lol soz.

Cos I do have sympathy with what I see around me and in my friends. I also think it is partly tied with a sort of despair, and I feel like I havent done that justice lol.

It's quite understandable to have a position of Why Bother when it comes to saving, when something as major and life altering as home ownership is completely unachievable, even with denying yourself minor and major luxuries. And this sort of mindset snowballs into just never saving, being constantly in overdrafts and whatnot.