Lonely 40 year old here. I quit socializing because I couldn't afford to do the things my friends wanted to do. Eat and drink at bars, go to movies, travel to conventions.

For a time, I was participating even though I couldn't afford. I racked up significant credit card debt. For me it's all about money, the language that communicates value. If my net worth is negative, that means I'm taking value away from society rather than contributing, and I won't put myself out there until I rectify that.