I am one of those people. During my two year period of neetdom, I lost my life savings and racked up 30k in debt (some at 20% some 6%) trying to make a living playing poker (online and IRL). It got so bad my choices were either rope or wageslave. Plus I had 30k in student loan debt.
I don't even know why the bank gave me such a high credit limit. At the time, the most I ever made in a year was 9k.
I once bought 2% of a shitcoin made by some white weeb wearing a kimono, I paid like $50 and while high thought it'd be a good idea to sell it, I would be a multi-millionaire if I held that weeb bullshit I literally sold the crypto for an ounce of ketamine and binged on it for 12 days straight never gonna make it