“Yeah guys, don’t be week and stupid, just lose all your money and die!” Or you know, go fuck yourself Mr. C. Dump

Trust me, I trust him, trust him to fuck us all over

He’s not wrong, there are ways, none legal.

I would say religion being a big one telling people that its bad and the devil is tempting you which makes it forbidden and forbidden things are more alluring. Another is impulse control is really bad because of our over indulging mindset, take a look at our obesity rates as another good example, yes there are medical issues that can cause this but I doubt that it would account for this much.