Well, I could see a bad environment making things bad. Hell, I suffered a tiny bit from that growing up in the USA. Our culture heavily pushes getting in debt

Well, I could see a bad environment making things bad. Hell, I suffered a tiny bit from that growing up in the USA. Our culture heavily pushes getting in debt and living paycheck to paycheck while driving new cars and enjoying other status symbols, and it took a few years of living paycheck to paycheck despite making a ton of money before I got my act together and put a budget together