I have also met foreigners in China, some in their 40's even, with no money.

True. Vive la difference.

I knew a perfectly nice aussie bloke, who is now in his 50s most likely, liked his beer, liked his ladies, and more power to him. Broke as a joke, but still enjoyed his life in China, and why not?

Faced between sharing with his mum and being unemployed in Queensland, where the economy is ruined,and decent jobs are scarce, he is happier and better off in Shenzhen with a nice young thing...horses for courses?