In most areas you need a car to get to work.
Health insurance with their deductibles, what they will cover and co-pays. The product isn't worth the money for people in their 20's. Even as I close into 40 I wonder what benefits insurance would help me with. If I had had insurance and gone into the ER when I thought I had had bronchitis, would the company have covered the x-rays and the Sarcoidosis tests and such? I seriously doubt it.
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I just love people who use the excuse "I use/do this because I LOVE the feeling/joy/happiness it brings me" and expect you to be ok with that as you watch them destroy their life blindly following. My response is, "I like to put forks in an eletrical socket, just LOVE that feeling, can't ever get enough of it, so will you let me put this copper fork in that electric socket?"
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