Just use common sense
I don’t think the issue is an absence of sense. What we’ve got is a massive asset bubble that benefits the financial sector. Very often, there simply isn’t a good choice to make. You’re either living in a slum at inflated costs or you’re stuck living way out in the exurbs (where you’ll be burning through your expensive car) or even potentially homeless.
You can be up to your eyeballs in debt despite making the “savvy” move at every turn.
Okay? Again, I’m not trying to sell you anything, dude.
Kinda sounds like you live in a high cost of living area and are mad about it, and aren’t smart enough not to go into debt trivially.
Also, my just use common sense comment was about you and your reading comprehension, it’s a bit off today.