Looking back at the OP I certainly find myself with the same question. I am the youngest of nine children and it's surprising how different some of my siblings are when it comes to money. Most of my siblings are LBYM types even if they don't take much interest in financial matters. On the other hand there are two siblings who spend more than they make and cannot seem to get a handle on the matter.
So, back to the OP
I don't understand it either. The answer seems so obvious. Maybe we need to focus more on the FI discussion. Once you're FI you can do whatever you want. I've been espousing (to family members) that FI allows you to do what you want in life - give to others, volunteer, teach, spend time with family, etc. without the burden of worrying about money. Many of them just don't get it or they think it does not apply to them.