If I had to guess I would say prioritization and budgeting are core issues here. It really is a very similar problem to financial budgeting. In this view we are balancing a calorie budget against time, money, emotional state, and health so the categories are different but the question is still the same as in finance. This could also be a likely culprit since we do not tend to teach this topic well and Average Joe seems to be about as bad at personal finance as he is with personal wellness.
Perhaps more training on prioritization, goal setting, and delayed gratification is part of the solution?