The problem is also with other people who already know that their source of income is not enough; they still have expenses. Because they may think they have an alternative to their expenses through borrowing or whatever reason.
i understand this and might be guilty of such mindset at times i’ve tried going a day without holding my wallet but still end up spending because in my mind, i do have money and i will always have money even if i might not know where to get that money from
it’s something I’m working on and reading through this thread has helped me gain some insights hopefully i can learn to be more disciplined and lessen my expenses