There are several reasons why the average human may struggle with financial difficulties and find themselves broke. One major factor is the rising cost of living, which can outpace wage growth and make it difficult to keep up with basic expenses. Additionally, many people may not have access to financial education or resources that can help them make smart financial decisions and build wealth over time. Poor spending habits and the use of credit cards or loans can also contribute to a cycle of debt and financial instability. Finally, unexpected life events like job loss, illness, or other emergencies can quickly deplete savings and leave individuals struggling to make ends meet. All of these factors can contribute to the challenges that many people face in achieving financial stability and security.