“People seem to think they can win the lottery and be happy ever after, But if they don't know how to manage their finances. They will just go broke like everyone else.”
Very very true. If they can’t see that the true value of their money lies in it’s ability to work for itself and grow whilst they sleep, hence providing financial freedom. They will never be free.
You raise some very good points. Personally for me, subduing the temptation of the inner consumer beast is a big one.