My lived experience is simply that most people don't actually care about finances _that_ much. If you went to the gym you would find that 90%+ of people are no

My lived experience is simply that most people don't actually care about finances _that_ much. If you went to the gym you would find that 90%+ of people are not trying to deadlift 510kg for a world record and accept that as fact. But somehow when it comes to money it's assumed that everyone's #1 priority above all else is to stack cash, and it's just not, and that cannot be characterised as a "bad decision".