All the world is going through crisis. Some people don’t hold because they financially can’t and need the money. The world is more and more financially savage by the day. Those who can afford to hold and don’t need the money are usually already rich.
There is this video explaining why most people will always struggle financially, this is how capitalism was designed to work, the system needs people to struggle to accept low end jobs and the system can’t scale, it is impossible for everyone to get financially stable: