> 1. How to convince people who are doing OK to consistently spend less than they earn? I don't believe we can. Not sure under what premises we should, in a w

> 1. How to convince people who are doing OK to consistently spend less than they earn? I don't believe we can. Not sure under what premises we should, in a way we (society) already do, personal finance training is only a quick google search away. Free will has its price. > 2. How to deal with chronically indebted people who can't or won't save money? We (society) can offer tools, but then it's up to the individuals to use them, or not: * Bankruptcy * Personal Finance training that's only a quick Google search away. In both cases we need to thread carefully, Free Will and Agency are things that we (society) don't want to mess with.