I've observed a common trend among people around me prioritizing spending over saving. They often spend their income on immediate wants, like frequent cafe visits, leaving them with little to nothing for saving at the end of the month. This suggests that the issue might not be an inability to save, but rather a choice to prioritize immediate gratification. Unfortunately, this can sometimes lead to lifestyle-related debt.
Interesting, that's exactly what I recently observed in my environment. During Corona, many people saved money because many governments set up support programs and people couldn't spend their money. Now that the pandemic is over, people are craving life and consumption again and are spending even more than they did before corona. In addition, the economy is still stable in many countries, so many people feel they are financially secure. By the time the next major economic crisis hits, this will level out again and savings rates will rise again.
Different ways for different people living in different regions of the world. Some overspend because they can afford to do it and they have economic security because of their government. On the other hand, some are compelled to spend more than they may earn because of economic situations and increasing inflation, in such countries and regions, people barely earn enough to be able to fulfill the monthly expenses of their household and are compelled to borrow money now and then.
Situations are not the same for the whole world, which is unfortunate. This is the biggest reason why a lot of people migrate from one place to another, it's only with the hope that they might get a better life if they get out of the current situation.