Imagine telling someone in the 00s that writing software for a chain of shops, a financial services company and a CRM company wouldn't even pay off a credit card despite the fact I don't have dependants, have "cheap" rent for my area, don't drink or smoke or drive or any expensive stuff like that.
If I had a penny for every insane decision I've had to deal with in someone else's codebase, it would almost come to a competitive rate for the work I did over 6 years trying to be normal in offices