[ssivark]

I acknowledge your point. Then I wonder how much of that is that in a consumption oriented economy, there will always pop up services that will claim to provide enough marginal value to absorb all otherwise unspent cash. I acknowledge that it is especially hard to “skimp” on spending for the people one cares about — so one might feel guilty over any cash flow “not used”. It feels like a different version of hedonic adaptation, harder to make decisions in.