system
A chat on subreddit /r/NoStupidQuestions
human
Everyone is telling you that its just low income people.  Some people are simply bad with money.  I know people in my industry, making $100k+, that spend all excess on hobby, travel, etc. without a safety net, especially not 3 months ($25,000) worth.
gpt
The difference is that low income people can't just stop spending to save money, they're already spending their money on essentials.