Is everyone having hard time financially in Nepal?

How come everyone is having a hard time financially?

We, our neighbors, some of the rich people in my place also when I and my dad talk, he said about their some situation and loans which are giving them headache.

Lot of people too, like 9/10 people I know are having hard time financially in my place.

Like some rich friends of dad looks like they are very well and happy but then I hear them talking with my father about their financial problems I was just shocked to hear the conversation.

Is this everywhere in Nepal?

I don't know but I feel most of us reading this is also having financially hard time or worried from loan, isn't it?