Because this article isn't written for Gen Z readers. It's written for Boomers, the largest consumer bracket of random bullshit web articles like this, and they'll read that line and think "yeah, dumb kids, they should just learn to budget, that's what I had to do" and they'll feel slightly superior and slightly satisfied and come back and click on the next article tomorrow, driving ad revenue because they're too dumb to use ad blockers, and that's literally the whole point of all of this.