What Jacqueline1970 has said is also true, (and kinder) but I don't think they ever think about 'sensible.' They live in fantasy's as the central characters, make poor choices and then justify them and develop sound bite narratives about everything being everyone but their fault. They never take actual responsibility, they have no taste or often training for it. Its actually harder for those with a background of choices to reject. They believe those working for the authorities are automatically wrong and below them. But I'm somewhat prejudiced.
On my way up I've met a few women from comfortable backgrounds who were wholeheartedly embracing sliding downwards by choice. All centered their universe around some 'misunderstood' sorry arsed bloke who 'understood them' but did little more than impregnate and drift.
They squatted and did festival circuits as Freegan New Ager types and rejected contraception amongst other things.
They looked down on and were quick to criticize those squatting from homelessness, battling to create normal homes, and keep children clean and well turned out, and gain better lives. They sneered at bleach, soap and bedtimes and were contemptuous about money or stability or relatives wanting to help their children.
They saw precarious living, as some adventure, alternative, political, and every part they disliked was proof of one or more conspiracy against them.
Every last one of them was self centered, self assured, and lacked basic common sense, especially over their kids. They were the ones who stayed put for eviction day so they could use their scared kids as props to their protests and would be put onto the street and then start looking for another abandoned property, even though we'd been to court got bailiff dates, and peacefully moved, protecting our kids from the realities. We'd end up having to take their kids in while they found somewhere, and 9 times out of 10, they'd take advantage of it..