Hesitant to tread on eggshells, but it is often hard to understand other people's assumptions. e.g. genuinely believing they are quite poor, and yet taking it for granted that one of the essentials is the unfailing £60 on the lottery, with logic that is faulty, yet, sort of, understandable, since they truly think it essential to have a possible way to leap out of poverty into a life of luxury. Or, believing it essential to have a car, even two cars, despite being healthy and living almost next to good transport connections. Or, believing everything must be brand new top of the range to prove you care for your child. Or, the first item on shopping list is snacks and prepacked and sweets.
Or, it is essential to maintain life by doing what advertisers instruct, buy chemical smelly things, buy plastic things, buy tat for halloween, buy tat for valentine, buy tat for christmas, buy tat for easter, etc. buy new, buy fashion, buy designer, go into debt because this is essential spending, even before you have the foreign holiday your children deserve and need.
Hastily, I add that I wouldn't be in the least critical, and would manage to smother my surprise. Presumably, most of us have some ideas which would benefit from a bit more thought, and that includes on spending. I do know that our grandparents often had a horror of debt, and even the poorest of the poor had some little fall back, often a rigid habit of saving even a few pennies for this, another jar for that, maybe an item which could be pawned in emergency .
Hurling the citizens overboard by encouraging debt, in order to worship The Economy,( as measured by G.D.P,) has meant that for perhaps half a century, thrift has been punished while unaffordable consumerism has been promoted. This has ruined lives, created disastrous habits and expectations, and worst of all, has probably already wrecked the planet. All so that various national leaders in various countries can say "nah nah na na nah, my g.d.p is bigger than yours is, so there"