I am sure it is because Bedford Falls had no house flippers or after hours clubs

Keep in mind that it did take supernatural beings from the outside of George Bailey's life to stop him from completely unraveling:

"It’s a Wonderful Life" is a terrifying, asphyxiating story about growing up and relinquishing your dreams, of seeing your father driven to the grave before his time, of living among bitter, small-minded people. It is a story of being trapped, of compromising, of watching others move ahead and away, of becoming so filled with rage that you verbally abuse your children, their teacher and your oppressively perfect wife. It is also a nightmare account of an endless home renovation.