I feel like there’s a lot of effort these days to find a “culture” that is oppressive and the proposed solution is something else the author likes… but doesn’t seem to be anymore proven to solve anything.

I have trouble believing “budget culture” is keeping anyone down.

Budgeting is a tool for an individual to use, they might do it right or wrong. But that people fail at it doesn’t make it a culture / some sort of oppression or whatever exactly the author is getting at.