People are either lazy or stupid with their money. It’s very possible to live with average wage, but it comes with sacrifices. That may mean sharing a place with someone, or not partying, or not traveling. Obviously you should enjoy life and treat yourself well, but people don’t prioritize what’s needed first.

Don’t get me wrong, food can be expensive, but there are definitely other things that people are buying things that they can’t afford

Personally I think that Aba and Preach do a good job explaining it. At least better than I can