I’m sorry you got that impression, as my belief is quite the opposite. Allow me to recap-
You said: “But it does seem like there are a lot of people just getting by. It’s not that they don’t have any money, but they don’t have “extra” money. And when they do have extra, they spend it.”
I blamed the problem that you correctly stated “a lot of people” have with money on human nature while you blamed it on marketing and then society. Which is why I asked for an example of a group of people, aka a society, that did not exhibit this problem on a wide scale. Hoping for an example that predated “marketing” in order to support your claim. No examples were forthcoming.
Hence, logic tells me that this is a long-standing situation, thus a part of human nature, or “the distinguishing characteristics—including ways of thinking, feeling, and acting—which humans tend to have naturally.” Just because something is human nature does not mean it applies to “all of humanity” or exists in every individual, just that it tends to naturally occur.
It does not do so on its own, no. But the vast majority of people do tend to place responsibility for solutions on the creator of the problem.
Regardless of the poorly qualified wording in that first sentence, the second sentence is the most important one for both personal and societal growth: “Only by accepting that the problems are our own individual responsibility can we find true solutions, as those solutions reside solely within our individual selves as well.”