People have different ideas and concepts. Many people pay attention to enjoyment, so they like to enjoy it first and don't care about having money to live. Obviously, they don't have much money and they are extravagant. Moreover, there is a kind of person who is usually frugal, has no money and spends little, and doesn't like living in debt. If you get a loan, you always remember that you still owe the bank a lot of interest.