The biggest hurdle is rent followed by health care. Most people could live like a monk and not save anything substantial. If everyone did suddenly adopt those

The biggest hurdle is rent followed by health care. Most people could live like a monk and not save anything substantial. If everyone did suddenly adopt those saving habits, it would crash consumer spending and launch the economy into a death spiral, and those exact "frugal poor" people would be the first victims. The infamous "avocado toast" debate has absolutely no merit as a criticism.