Indeed. Most of my family falls into both categories.
One the one hand it is infuriating to see them pay more for everything they buy because they are paying interest on everything they buy partly because they buy stuff they don't need or buy it sooner than they need to.
On the other hand there are incredible cultural pressures in america to spend spend spend and get newer/better stuff than you need (cars, houses, phones) and almost no cultural pressure to be prudent and responsible.
Probably doesn't help that there is a whole 'industry' whose only function is to capture 5-35% of the income of the poor and distribute it to the rich.