I can tell about this problem by observing how most people live in my country. Loans for almost everything force people to work seven days a week. Closing one loan, another opens, and people live in debt without free money that could be invested. From here, it is noticeable that people are in a hole of debt, regularly saving every penny.
But yes, our desires do not end, and we can say that we can stop everything, but the pace of life and the developed habit of earning money practically do not allow people to stop and think that they can live differently.