One reason why a person would refuse to save money is that they lack discipline, focus, and do not live on a budget so D. all of the above.
Some people are unable to save because they lack the focus and discipline to do so.
Saving money requires that one makes sacrifices which might not be easy if a person doesn't have the discipline to do so.
Some people also simply prefer not to live on a budget because it would constrict their spending habit. Budgets help with money saving so this reduces the probability of saving.
In conclusion, option D is correct.
Options include:
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