> Around 76% of Americans are living paycheck to paycheck.

Not for any meaningful definition of "living paycheck to paycheck". Per Federal Reserve studies, the percentage of the population with no excess income after paying for necessary expenses is 10-15%. That's still a lot of people but it isn't 76%.

For everyone else, it is a lifestyle choice.

Per the BLS, the median household has ~$1,000 leftover every month after all ordinary (not necessary) expenses. That includes rent, car payments, healthcare, etc.

Americans have a crazy amount of discretionary income compared to the rest of the world.

71% of adults say that their monthly debt payments prevent them from saving.

So why don't they take it out of that thousand they have at the end of each month? America is suffering economically and I don't think we help anything when we pretend it's not.