I firmly believe it's all attitude and people will always find a way to rationalize what they want ... to be "happy" now! Our culture has been bred to accept the consumeristic attitude of you deserve it so get it now. We do that through credit card spending. Reality is we do those things that comfort and give us security. The credit card crowd does it through deficit spending for things to comfort now while the savings crowd does it by creating security for the future. All things being equal who will be leading less stressful and joyful lives 20 yrs for now? I agree with the sentiment stated earlier, if I saved too much I better figure out how to fix my mistake and spend it....what a problem to have
