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No. Also I specifically used the '90% of their income' figure and not the 95% one shortly mentioned thereafter, because I think it's fair that even those who are struggling the most ought to be able to have some 'fun' with their money.
But most people do earn enough to pay for their necessities, have fun, and save. And many people don't save for later, even though they easily can, in the name of putting more on the 'fun' pile.
While I think, technically, strictly correct, the big question wild be how much they could realistically "save", and in such a hypothetical, would it really be significantly more encouraging results.
Our, realistically speaking we are generally already looking at that reality, with people putting aside a relative pittance but still feeling that they live paycheck to paycheck, largely ignoring anything that goes toward retirement.
I get it, I've had relatives buy stupid expensive pickups or muscle cars with obscene payment plans while barely keeping their heads above water, but even the more careful ones barely scrape by.