Are you stupid enough NOT TO?
Let me guess a few things about you, judging by your tone.
1. You've never had a medical or family emergency that put a significant dent in your savings.
2. You have enough disposable income to be able to afford to buy food in bulk.
3. Your job pays high enough for you to not rely upon high-interest sources of credit.
4. Your boss is not a low-level manager with authority to impose upon you unrealistic expectations of your schedule or hours worked.
5. Your parents never went to jail.
6. You attended a decent school.
7. You've never known discomfort as a child.
Which points did I get wrong?