There is no excuse for this, none. Yes, the lowest perhaps 20% of the income level may have little of their income left to save, but for the rest there is no excuse. They have a spending priority problem.
Living within ones means (after saving for the future) may not provide the current lifestyle you desire, but the reality is there really is no choice unless you can increase your income.
Sacrificing your future financial security is not a good alternative.
I don’t always agree with everything you write, but I am with you 100% on this one. Very accurately “a spending priority problem”.