You're clearly not factoring in the costs of living. Rent, utilities, mortgages, car payments, any sort of insurance payments, any accumulated debt that is inevitable. It adds up quickly and has absolutely nothing to do with frivolous spending.
It's easy to look down on people less fortunate than yourself when you have no responsibility for your own well being. You've proven you aren't taking all factors into mind and are quick to judge people based off of your personal conclusion. What does this mean?
I pay rent, insurance, taxes, credit card payments, food, and utilities. I do not live with family, I paid off my car, and I am preparing to make payments on student loans. I work full-time and I drive myself hard. I've taken special care to make sure that I am not in debt when I can prevent it.
It's easy to assume things about someone's character when you don't know anything about their lifestyle and the responsibilities they bear. So yes, I
am responsible for my own well-being.
My qualm was with those who chose not to be smart early on. I knew since I was very young that saving money would be important, and I saved up $3,000 since I was little by the time I was 18. I had insurance to pay on my first car, and had to pay that off, and when it ceased working I had to get to school by bus, which was a 2 hour trip each way. And now I saved up and bought my next car in full. You just gotta work, scrape, and save. In my experience, which I acknowledge is extremely limited, it was only frivolous spending that accumulated debts and struggle.