People get fat because they eat too much i.e. consistently consume more calories than they expend.
People get into debt because they spend too much i.e. consistently spend more money than they earn.
The real issues are WHY people eat too much and WHY people spend too much.
Despite this, we have a society that still likes to sell people products that waste time on helping them understand why they are in debt and how it happens etc.
It’s the same with diets. It’s all about demonising carbs and intermittent fasting (IF). A guy at work made me laugh a few years ago. He started IF. He could only eat between 12:00 and 20:00. He was raving about it in the office, telling everyone how great it was. He lost about 5 pounds and then stalled and we never really heard anything more. I asked him about it, and basically he was eating exactly what he normally would, but just squeezing it all into a smaller time frame. I explain politely and simply, in a non-patronising way, that his 8 hour feeding window wouldn’t help him lose weight unless it also helped him eat fewer overall calories each day. He looked utterly baffled and slightly embarrassed.
I saw him the other day for the first time in a few months and he looks no different. Another example of someone trying to avoid fundamental principles and instead go looking for some magic bullet.
If this guy with massive credit card debt can’t control his spending then even if he does shift this debt, in another few years he’ll be back in debt. That, and he’ll only retire at age 70, and by then he’ll be moaning about the government not helping him etc.