Each person has his own reality of life, and according to that life he has to adapt to the strictly necessary expenses. If he exceeds his expenses administratively in his home he will be harmed because he does not know how to spend the money he earns from his work.

If the person earns 100 why spend more than 100 indebted his life, it means that for the next month even if you earn 100 you will no longer be able to enjoy the 100 a part will be in debt.