I think part of the mentality comes from not wanting to 'deny yourself' anything, ever. Why would you deny yourself the Uber, going out for meals and pubs several times a week, deny yourself another gig etc etc gotta have Experiences™️ .And I partly get that in small doses, but the doses are huge and constant in a lot of the people around me living constantly within overdrafts. The concept of saving anything is just as incomprehensible to them as I find the opposite incomprehensible.