It is true that saving from a third of the income we get from salary is necessary, but not all humans can or can do that, because the work environment or the surrounding environment also has an effect. And one of them is the matter of prestige in repaying a vehicle, so there is little possibility for that person to be able to set aside his income.
This means that the problem lies in the person's prestige and in the person's inability to stem the influence of the surrounding environment. Because a successful person forms his own mindset and is able to withstand influences from the environment that may not be good for him, he is a very extraordinary person, so he never has any prestige to do anything that can bring good benefits to himself.
Because there won't be any change if he still has prestige and can't adapt himself to the environment and stay away from things that might be bad for himself. So in essence there are still things that some people need to change if they want to save some of their salary for a better future, because no one else thinks about it except themselves.