People have trouble saving money often cos they just have enough to live on.
I have some health problems and ended up not really getting the kind of jobs I thought I would get.
For the last 5 years I lived on about £1000 a month.
When you take everything out of that, there really isn't much left.
The goal was to NOT go over that amount each month, i.e. not go into debt. The goal was never to be able to save any money, it was to be able to live on the amount that was coming in.
I have since set up my own business and fortunately I'm not in that position any more but for those years it was tough. I was in and out of hospital with the health problems and I have zero savings from those times at all but since the past few months I have changed things.
Often people just want to be able to survive, have enough money to be able to buy food, clothes, pay all of the bills. Saving doesn't really enter your head.