Kind of off topic, but I have a set of good friends that does exactly this. They live very nearly paycheck to paycheck, and if a windfall comes their way it is immediately spent. An uncle died an left them around $20k and they immediately upgraded their vehicle.

For a while this struck me as absolute madness, but I found out they didn't like the situation either. They get food stamps and other assistance and if their savings goes above a certain (very low) point they no longer qualify.

So if they saved $500/month, which they could, in 4 months time they wouldn't qualify for aid any more and would eat through those savings in a very short time and have to reapply for aid. And the time it takes to jump through the necessary hoops means they miss a rent payment, or have to skip on groceries, or whatever other unfortunate choice.

The system is set up to keep people trapped in it, not to help people become more productive and escape it.