Put like that it sounds achievable but people have different life experiences. That's why you have food banks, people living on the streets, people with mental health issues, people lose their jobs and need that little nest egg to pay the electric, and so it goes on.
but i passed a restaurant earlier and people were in it so everyone in the whole wide country must be loaded
If someone had told me that when I was 16 I'd be OK now, but they didn't. Even if they did I doubt a 16 year old me would have listened, kids now a days are more clued up on this type of thing though as they're putting money into high interest accounts etc. as the whole financial market is a totally different beast to when we were young.
It's far more accessible than it ever was. But the vast majority of people I've talked to about such things, and I'm meaning from teenagers through to and beyond my own age, really don't have the first clue. -> "I'd guess some of them never had the money to mis-manage in the first place." True, some. A very, very small percentage. As for the vast majority .... ignorance, laziness, distorted priorities, lack of common sense, wrong role models, etc etc etc.