Not sure if that is stupid.
There was a period when I struggled with balancing my checkbook - it was certainly not for lack of quantitative skills - and at the time I found that every year I had a few thousands dollars of credit card debt, even though I applied an algorithm - 10% off the top in the bank, less than 30% for housing - designed to prevent that. The issue on the latter was that I didn’t account for incidentals, like car problems and dental work, which would get put on a card. It was also around this time that I realized the problem was not budgeting, it was earning enough money.
From then onward, I decided that I would simply earn more money with each contracting role, and at the time, with my skills, the industry I worked in, and the growth arc of the country, it was easy to increases one’s earnings. Since then. I never budgeted, let alone balanced a checkbook. Years later, I do watch the general trend on our retirements accounts and investments, eye the state of our basic checking and savings accounts, as well as watch the trends on on our spending.
That said, simply earning more is not an option for most people. At the time I worked as a software developer as a consultant within the financial industry. Even now, there are still opportunities to earn more money - I do get contacted by Google and Amazon to interview - but I now focus more on quality of life, and since I am nearing retirement, earning a higher salary is not so important.
As for stupidity, I have read debt spending has little to do with intelligence, that the better educated can suffer just as much with excess debt, but in my case it would have come down to emotional and lifestyle factors, plus the tedium of the checkbook. What I do with our finances and spending comes down to Excel and pivot tables, but if I had some reason to, I could do something more programmatic with machine learning. The problem for most people would be the country we live in, and that has more to do with our political culture and how people are treated relative to industry.