I think you're focusing too much on the specific examples? I just grabbed random things I've seen from behavior in other people. If you don't fall victims to those consumerist traps, then that's legitimately great.

Yes, I absolutely know folks who buy new phones every year, and who lease new cars and upgrade every 3 years. Most of whom really can't really afford to do these things but do it anyway and end up in increasing debt.

And sure, buy clothes from Walmart if you have a Walmart location near you. I just picked the nearest big-box store to me, for some reason Walmart doesn't have much of a presence out where I am.

(The takeaway I got from the game is "don't try to buy the hat, it's a trap". I'm curious what your takeaway was?)

Let them eat crow.

If you can't afford a surprise expense, you need to build up an emergency fund as a buffer. The first step in doing so is almost always to find opportunities to lower your expenses and put it towards savings. As a society, we've gotten very good at encouraging people to quickly spend all their money.

I'm absolutely not saying this alone is sufficient - particularly if you're unemployed or your job truly doesn't pay a living wage. There are absolutely people who don't make enough to survive - and that's a bigger problem of course.