system
A chat on subreddit /r/PoliticalCompassMemes
human
In the case of my own family it was dining out. My parents spent what they earned on eating at restaurants or take out because their logic was they couldn't afford vacations so that was their treat to themselves.

Had they not been doing that they would have been able to afford vacations, bills, etc.
gpt
So many people underestimate food costs, especially for prepared food. Wasting thousands of dollars a year is trivial to accomplish.

There is a reason that "buying avocado toast" gets such snark. Something relatively cheap when prepared at home is hideously overpriced when purchased and especially when delivered. May as well go to the ATM, make a max withdrawal once a week, and set the cash on fire.