[flukus]

> And choosing to save usually seems unwise when it means neglecting some other need.

For some people it's that simple, for others working out what they need and when they need it is more complicated. Advertising is a multi billion dollar industry based around convincing people they need certain things or certain brand names.

I'm sure we've all met people that spent more on electronics than they really need to browse facebook, or dealt with customers that need to be coached on what they need.