re: Why can't the rest of the world pay for things.

Imagine you have a friend that wants to take you out to eat every night at awesome restaurants. Each night he pays the tab, tax, and tip. When you are leaving he gives you $1000 per night to cover your cab fare for the half-mile trip home.

You fritter away the extra $990 per day.

After 40 years he stops. It would cause separation anxiety from the daily windfall.

Paying their own bills needs to become the new normal.