That lack of frugality is what has sent the world into an economic tailspin, made over 10% unemployed (the figures for full employment are a disaster) even here in the US, and brought great harm to the reputation of the captains of finance that told us to do JUST what you are telling us. Spend more... you deserve it/need it/want it/should have it...

All the time, ignoring that what we have is just fine.

Anyone with even one eye open can see the writing on the wall. What we are doing is unsustainable. Diminishing returns, and exponentially increasing consequences. But yeah, that new guitar NTT is a MUST have!