Why are people so obsessed with making life difficult for themselves?

They choose to have children, which forces them to work longer hours just to get by. They take on expensive car payments they can barely afford instead of opting for a cheap, reliable vehicle. They buy large houses they don’t need, rather than settling for something smaller and more manageable. Life is hard enough without these self-imposed challenges. Why do people do this to themselves?
Why are people so obsessed with making life difficult for themselves?
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