Chasing a lifestyle that is unaffordable and unsustainable because that's what the boomers got to experience (at our expense & the planet) is what gets everyone deep in debt.
I'm talking about frivolous and expensive experiences, buying houses that are far bigger than our needs, buying cars and technology you don't actually need as a treat to yourself, buying your children's love with cheap crappy toys and gadgets that break quickly and become garbage, purchasing fast fashion made with slave labor, etc.
Make no mistake, the game the ruling class has always played has been: "how do I abuse these people just enough to keep them desperate, without overstepping and leaving them with no choice but to rebel?" Lately, the children, and grandchildren of the ogliarchs who knew how to play this game have been taking over as their predecessors age out, and, in their hubris, have been over reaching in acts of entitlement. They, like many of us, have failed to recognize the game for what it is and it is already causing the deaths of many people. At this rate, it will spark visible war. Luigi was one man, and there have been many more like him brewing since.