You just don't know like how you don't know other people's relationship and problems. They hide it well in public but in private, they all have problems like the rest of them.
Same thing with finance. I can sell you anything in this world but can you afford the monthly maintenance and payment is the question at hand.
I know a smart guy who is worth millions but still drives a lease expensive car. The guy is smart hence the money and leasing when you are rich will make you look richer. New ride every few years and here you thought that they are actually rich.
Gaming the system to look rich isn't that hard.