That's a much bigger problem. People at the limit of survival financially - and there's a lot of them - may not have the luxury of any kind of financial education, or the leeway to experiment and take longer term aggregates and strategies. There is only now.
It's expensive to be poor and this is why. It's not just hedonists, a chronically empty stomach changes the way you think and how far and wide you're seeing.
> So you are telling me poor folks are poor and struggling?
No, I'm telling you that your examples, the "strategy" of getting financial efficiency, and calling it "hedonism" are disconnected from the reality of the people who suffer from this the most. Unlike you those people don't leave dinner on the table because it was too cheap.
> As if this isn't known?
It doesn't sound like you know know. You're telling a blind person how to get around better by just "looking around".
Your perspective above is the modern version of "let them eat cake" [0]. "You don't have enough money? Try to live like you have enough money".
It's expensive to be poor and this is why. It's not just hedonists, a chronically empty stomach changes the way you think and how far and wide you're seeing.