People aren't made to have an intuition for these things - it is more "I am hungry, must find food" mentality by nature. But, that isn't the society we have built and definitely not the economy. We need to break our default intuitions and instead, improve our processes that lead toward our goals. Easier said than done, especially with uncertainty on what leads where, and most importantly, what we actually want to accomplish.
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You are right, given that a large portion of the population lives the paycheck to paycheck lifestyle(by choice or not), it is easier to understand why long term planning isn't something they are adept at.
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