Highly strong and realistic points you have pointed out for us, it is easier to spend money as it comes but it takes a considerable amount of intelligence to realize the need to save more.
It is easy to fall from a point of abundance to the point of going into debt immediately when there is no proper plan in place, but with a concrete plan even when things are not going so smooth, it is still very possible to navigate situations and bounce back on your feet.
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.