Anecdotally, this has been my experience as well. The few people who have money troubles put themselves there through frequent outings, buying expensive items.

Anecdotally, this has been my experience as well. The few people who have money troubles put themselves there through frequent outings, buying expensive items. If they got a 20% raise tomorrow, they would just increase their spending and squander most of it away. I don't doubt there are people out there struggling because of medical conditions or just plain bad luck, but that's not the most common case I've seen.