Yep, the entire society is based around exploiting high time preference, low agency etc people. All marketing and internal economic policy is orientated around this.

Low interest rates with high inflation makes saving worthless, pair that with stagnated wages and the ever increasing relative inflation of assets and those with good instincts have no opportunity to sort their life out. Thus even many of these people will slip into miserable lives of addiction and such whereas their nature should have had them being perfectly well adjusted.