Imagine if one of those two people was a member of your family - what would you do if you had to give him advice?
Meddling in other people's affairs is inherently bad - but if it's an important part of your life, maybe you should give them some good advice. It's best to keep quiet about things that don't concern you - but advising him is an option if you're the one being listened to.
Everyone also knows that they have their own choices in managing their finances - that's their responsibility, of course. But try to make a good approach if he is a member of your family or a friend - maybe it will change his pattern and lifestyle to think not only for now.
If there is one of the family members or relatives who doesn't care about using their income, I think if we can give them advice, it would be better for us to give them that advice so that they don't have financial problems when inflation occurs, because in conditions of inflation, everyone who doesn't If they have even the slightest savings, of course they will have great difficulty in dealing with this, especially since they only have one source of income, which means they will have difficulty meeting their needs and if they still carry out the same actions in terms of managing their finances, of course this is no longer our responsibility when they have experienced financial problems when inflation occurs.