idk if it's common for JP women who have a mild spending addiction to get into debt w/ no safety net but there's prolly tons of online stories/tiktoks/yt vids and anecdotes about western women spending, this is prolly the first real 'crisis' she's ever had /was living in a pretty cushy lifestyle even if kippei wasn't necessarily as 'elite'
Hell, Caleb Hammer (some financial advisor? youtuber) has a whole series of him interviewing ppl and going over their debts/spending