chat_history: ["I'm the only one who cares about paying bills. It's very frustrating", "I feel you, I'm in the same boat.  Are you in a two income household?", "Unfortunately no. It's very hard on me because I have to be disciplined with spending. Makes life very boring"]
sys_response: Yep, money spent on bills and food, with little left for fun.  My wife has the same complaint.
situation: annoyed: i'm the only one who cares about paying bills