I see the debt when our friends come over. One couple went to the convenience store and bought $40 worth of snacks for their kids
And then later, when we went shopping, and I explained that I wasn't going to buy that leather jacket "because we just paid off all our credit cards and don't want to start anything", the wife said "Yeah, I know what you mean, we only use ours in emergencies." $40 snack emergency?????? Later I did find out that they filed bankruptcy.
Also, though, my brother in law, who knows that I am rather frugal, brought his wife over and urged me to give her some tips, because their money was tight. So I just did a normal shopping trip for me--we went to the grocery store at 7:30am for the marked down meat. "Oh I wouldn't trust that stuff, there's probably something wrong with it". Then we went to Aldi for some basic canned stuff, but she wouldn't buy a brand she had never heard of. Then I stopped at Walmart for the cheapest generic coffee, to which she exclaimed "I wouldn't drink that stuff, it doesn't taste as good". And then she requested that we go back to the grocery store, and she spent $200 on name brand food, including steaks and high-end seafood, put it on her credit card.

I know what she and my brother in law make, they are both $8 security guards!!!! So I can sure see what the OP means. And I'm not nosy or anything, these things just happen, and I just make note of them. And learn from them.