>Your error here, or the missing piece if we're generous, is what people are spending money on. Health care is astronomically more expensive here. Schooling isn't free after high school. Day care isn't free. Hell, even property taxes are simply 'not a thing' in France or the UK, where the taxes and Council Tax, respectively, are a tiny fraction of what Americans pay in property taxes ---- which, of course, pay for the 'free public schools.'

A US worker at the average wage keeps roughly 70 cents of every labor-cost dollar; a worker in Belgium, Germany, France, Austria, or Italy keeps closer to 47 cents, even before you add in the effect of VAT. Nobody in Europe is getting those services you mentioned for "free" - you're just making everyone else pay for them with taxing their labor. You almost connected the dots when it came to property taxes paying for public services, but missed that Europe assesses income taxes.

>Now, let's talk about insurance, that's also much higher. In states like California and Florida, home insurance is through the roof, in some states like NJ and NY, car insurance is through the roof. Both going up way above inflation (like the items in my first paragraph).

This is a bundle of issues. As a quick list, compare the size/value of an average property in California or Florida to a property in Europe, assuming they even own the property (remember, Europe's home ownership rate is lower than Florida's). Same goes for car ownership costs: American cars are larger, more expensive, driven more, and are more exposed to damages from uninsured motorists, because states like NY, NJ, and CA think it's racist to enforce uninsured (or even unlicensed) motorist laws. Just like health insurance, allowing free-riders on insurance systems is financially disastrous.

>You might counter with energy costs are much higher in these European countries (and similar ones like Germany, Benelux, etc), and the purchasing power might be higher, but the wages are so so much lower.

I'm not sure what you're trying to say here. Yes, Europeans can get a number of services paid for by their neighbor, but it doesn't make them "richer" by any reasonable measure. Quantifying standard of living is incredibly difficult, because even as this exchange shows, people will value different things differently. But broadly speaking, my original point still stands: Americans should not be struggling to live in America, absent poor personal decisions, particularly if you're willing to lower the standard of living to that of an average European (a smaller rented property, driving far fewer miles in a compact car, no air conditioning, etc, etc).

>That said, this trope of people misspending their money needs to consider this outrageous costs of things that many people around the world never need to think about. The shitty wages in France are overshadowed by so many essentials being available without a high cost or any cost in some cases.

What outrageous costs are those? Community college remains very affordable, and costs for 2 years at a state school can be managed, especially against the greater lifetime earning potential in America. Healthcare costs OOP is capped at $9,200 on an ACA plan, which can be nearly free for middle to lower income brackets, and that debt itself is basically unenforceable in most cases these days, assuming you truly don't have the assets to pay.