I’d also like that to be a different state , but how would the best way to tackle it?

The short answer is discipline, which at this point might need to be imposed by regulating debt to be more difficult to come by, or by forcing further savings via payroll deductions or something along those lines (like Singapore).

If you want to build a financially resilient population it requires top down solutions - it won’t just arise.

As is always the devil is in the details, but regulating debt to be more difficult to come by or forcing savings seems like it would be broadly politically unpopular and would likely have significant unintended economic consequences. This is surely a challenging problem.