The group consensus seems to be to get the largest mortgage your bank will give you, buy an oversized car on a 7 year contract plan and fritter the rest on beer and takeaways. The best financial advice is usually drowned out by the consensus.
It sounds like you're completely ignorant of the subs in question, and just spouting off whatever comes to mind.
Not to mention what they're describing isn't a group consensus on financial advice, it's just the stereotype of lowest common denominator behavior. It's like suggesting that there's a group consensus that playing the lotto is sound financial wisdom just because a large number of people do participate in it.