The thing is that some of these things are no mistakes, but situations that were difficult for some people to control because at the start of last year 2023, they planned to have emergency funds, to invest, not to overspend, and to track expenses, but it did not work out for them because of how poor their economy is, they are not earning enough to even spare some for emergencies and also investments and then try not to overspend but due to the ever increasing price of things in the market they keep spending more than their budgets and then they have also stopped tracking their expenses because tracking their expenses makes them depressed seeing that they are spending more money than they are earning and balancing the rest up with debt. The situation of things is really very difficult for some people in some places, and due to that, this year may be a repeat of last year.