Have you ever been unemployed for more then a year?
Have you had an extended time without income. Savings drain fast and even if you do get a job it can take years to crawl out of the hole.
I know from experience. Got cheated on a business deal and lost all my savings. At my age, no one hires me, even with a masters degree I cant find work. The consulting jobs I do pay bills and debt and there is nothing left to put away for rainy days.
I guess the best way to explain it that it has been raining on me for a few years.
Not looking for sympathy but it is not as simple.as saying people dont know how to save. It is sometimes more complicated then that