In most cases, people are to blame for their poor financial condition. Of course it's good to want a good, high-paying job, or a big passive income. But few people want to work for the sake of this gradually reaching their goal, they need it immediately and without any problems.
Agree with that, they bring themselves into nothing cause they don't want to work hard and encourage their self. Those lazy person never achieve their goals and don't go far as they don't want to do so. Anyways, they choose to be like that and they feel comfortable with their life style.