I think the comment is being taken out of the context, but it's true that most Bulgarians:
A) Don't earn enough to save
B) Are reluctant to save due to a misunderstanding about how the financial system works (I'm refering to the hyperinflation crisis from 1996-7 when the Bulgarian lev lost its value to 1 Bulgarian lev = 3000USD) and many Bulgarians still don't trust the banks for anything
C) There are no central credit system as it's in the states, Germany, the UK or any western nation where when you borrow money you are being added to a central credit agency file and if you don't return what you've borrowed, your credit file is being updated with the corresponding information and a score is being calculated that helps all other lenders to see it and base there future decisions on your assessed situation. In Bulgaria many people borrow money and then couldn't repay them back to the banks, but it's still easy for them to get credit just by going to the other bank across the street. In fact, many people take 2-3 loans at the same time and use the last one to repay some of the previous ones.
D) credit cards are not popular in Bulgaria, simply because most Bulgarians didn't see the necessity of having a credit card. It seemed to me that they just couldn't get how a credit card works and what are the benefits. Recently I tryed hard to explain to a fellow Bulgarian how I was trying to apply for a credit card and I was refused here in the UK and he was absolutely puzzled why am I trying to apply for such a thing in the first place?

I'm 20-not-something guy and am having two bank accounts in Bulgaria and 2 accounts in the UK with prospects to open another one shortly.