So you think nothing extra-ordinary happens?
You're being presumptuous. It's clear that "thinking" never entered the process.
That's all.
Dashing out at 16 to bear children; purchasing a home beyond your means instead of renting or living in a modest home until you can AFFORD the one you want; using credit cards to the max; refusing to save, etc. ... these are ill-advised.
Most of the young people I know who are in trouble and the adults I know who are struggling... have done this kind of thing with their finances. They do NOT discipline themselves, they do NOT deny themselves a thing.
Trouble is coming ... you STILL take a vacation? You STILL replace your car? You STILL use your charge card for all and sundry? You STILL remodel your kitchen?
He&^ I'd be hurting too if I was so reckless and selfish.