That sounds good and reasonable in theory, but in reality, people’s expenses almost always either match their income or significantly exceed it. Otherwise, the entire credit system—with all its branches like mortgages, installment plans, and so on—simply wouldn’t exist. In fact, the economy functions best when the state provides an adequate credit system with low interest rates. As a result, people get used to this and don’t understand why they should deprive themselves of what they want. That’s why they can’t reach the kind of financial situation you’re describing.
Maximizing income and minimizing expenses is a technique that must be applied in managing your finances. However, considering the increasingly drastic economic decline and low incomes of each individual, it makes them increasingly difficult to manage them. This is also caused by factors such as needs and expenses that are increasing daily. It is appropriate that the existence of credit facilities that can at least be operated by each user properly is a relatively good effort to get out of this bad situation. But at least we must find the right business opportunity to run it, because this is also closely related to each person's financial management.