The only problem is, your basic needs expenses exceeds the amount of your income, that’s why it’s impossible to save when you even find it hard to make ends meet. But if you are wise enough, regardless if you have multiple flows of income or not, saving for emergency funds is a must. That prevents unexpected borrowing in the future, because you have set aside some funds already when financial crisis comes.
The killer of our saving really is high cost of living, and low income, most people are unemployed with tons of responsibilities to deal with, this is the reason some people have no choice but to go into borrowing just to sustain themselves, most of them at some point will even borrow just to feed, and not for investment as we know that borrowing for investment is at least considered as a good borrowing if it comes with a long period of time and with low interest rates.
The bad aspect for borrowing is to borrow to eat or pay Bills and not to borrow to do an investment in the first place.