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Mountains of people bad at math convincing bigger mountains of people even worse at math that they can't afford anything of major value.
So in turn they go and spend what money they do have because why bother saving it if you'll "never afford a x"
In reality most of the "you can't afford this and that" shit is built on top of bad math and content creators that don't understand how shit works.
And literally anyone with basic math skills can just go look for themselves and discover how bogus the claims are, or how much they misrepresent the state of things.
But nope, it's easier to give up and just buy forty Stanley Cups instead!