It was that I was but 20 years old, trying to make a go of it a in foreign country when I had a freak dental problem that caused immense pain. It was expensive to fix and I couldn't both pay my rent and pay me dental fees - and the pain was such that I needed to fix the tooth issue. To those of you here who have never experienced real tooth pain: I hope you never do.
So you learn risk management. It seems like you set yourself up for failure.
My father used to vehemently repeat that one never discuses finances with anyone but their spouse, so I suppose it's just built into me that talking about personal finance is tactless.
Why not? You can learn where other people are and share information to make better decisions. Is that a problem? If you're around someone who is bragging, just stop associating yourself with those kinds of people.