How much did you save for a rainy day, did you have 6 months of expenses put away prior to financing cars, going on vacation, buying technology, stopping at starbucks, eating out?
You have no knowledge of OP's life, maybe he did everything right and he still got hammered. Maybe he did everything wrong. Either way he is a real person not a data point for you to feel smug.
One example off the top of my head, groceries are becoming more costly due to supply chain issues from the economic collapse. Savings aren't going to go as far as planned.
I also feel that this is exactly the time that people should be discussing savings and emergency plans.