Yeah, personal finance is mostly about behavior...a little bit about math. When people go into debt (which Is virtually everyone at some point in their lives, including me), it is about impatience, greed and a certain degree of arrogance.

Spending less than I make and having a budget involves humility. Humility in the sense that I don't know what the future will be, so I better have some money just in case :)

And thank you @gbenga.