I tend to side with Dave Ramsey on that one. The little things DEFINITELY add up for the individual person.
It seems so silly to see people getting food stamps, lining up for various school-related benefits, but they make sure to show up holding their $8 starbucks drink - it's clearly a status symbol that they think makes them look 'cool', the biggest pickup truck money could ever go for at $800/mo payment.
The coffee is just symbolic of the whole problem - which is spending luxuriously on a bunch of small stuff and ignoring the more important things, like having a retirement investment account, and getting out of CC debt, etc.
I know this because there've been times when I've had to blame myself, as well. I make way over the average household income and have no particular forms of adversity financially coming against me, yet (during these times I'm thinking of), I couldn't seem to climb out of CC debt. Then I looked at my credit card and it's amazing how fast gas station stops involving totally frivolous things will add up to 100's and 1000's - when you've got a $4 Monster in one hand, chewing on a $4 beefstick and sucking on a $19 disposable vape.
Yeah I'm def with Ramsey on that one