Why do people have so much trouble saving money?

Why do people have so much trouble saving money? Is it that there's simply not enough? Do people simply make bad decisions? What is going on?

Americans have a dismally low savings rate, about 2-5%. Why? Heavy consumerism is the cultural reason, and then there are a few funky economic reasons. Someone already mentioned a bizarre medical money system. Warped assistance programs that cut aid too early or incentivize poor behaviors exist. A systemic education debt problem is slowing an entire generation's progress while the jobs they seek are being sat on by baby boomers who can't retire for lack of planning. Botched federal-level coordination for remotely efficient use of taxpayer dollars is a fairly large issue, as is the citizen's pursuit of lower taxes AND increases government programs.
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