That’s exactly it. No concept of delayed gratification. No concept of paying themselves the $50 a month for 6 months and getting a sofa, instead of paying some scam artist $50 a month for 3 years. But hey, they’ve got their sofa NOW. That’s all that matters.
But, then some asswipe leftist comes along and does the math, points it out and somehow it becomes OUR fault that they have no impulse control, no money, etc. And the answer is to take more of OUR money.
It gets so tiring.