for my personal situation, its mostly a combination of lack of disposeable income (and i'm impulsive with it when i do have it), lack of social activities or communities to participate in offline, and social anxiety issues (as a part of broader mental health problems).

while i do have a small friend group, i hate social situations with people i don't know, and am generally too broke to 'go out' or be involved in offline communities. i've had like 1 or 2 people message me on dating apps but i chickened out and panic deleted my accounts. pretty much no one offline has ever expressed any kind of interest (literally one exception a long time ago). i presume my social anxiety makes me come off as unapproachable to most people the few times i am in public or large scale social situations.