In your opinion, what is the greatest challenge for people to have a healthy financial life?

In your opinion, what is the main difficulty that people around you, including yourself, face in organizing personal finances and achieving a financially healthy and balanced life? I'm asking this question because I'm developing Woney, a startup dedicated to enhancing people's financial well-being. I would like to hear your experiences to identify potential uncharted gaps and challenges that we can address with new products and solutions.