A majority of people are broke, actually. We are not taking our money seriously, and just living paycheck to paycheck. We are doing it because there are so many like us, around us, doing the same. 

Lifestyle expenses and rampant consumerism, heavily advertised to us, are making us more and more broke, year after year.

Many people think that if they don't have enough money, they are broke. In reality, they have a car, a nice house, a big TV, and good clothes. They just need to correct their way of spending and not buy things they don't really care about.

You are broke because your financial decisions were not the best, in the past.