[toomuchtodo]

Agree I should've picked my word more carefully there. The only difference between those with actual wealth and those cosplaying is the window of time in which you can experience the benefits of the consumption. Catches up faster to those operating off of debt instead of wealth, but depending on your current state and life trajectory, that may not matter to you.

No one wants to be rich to be rich, for an arbitrary number in their bank or brokerage account. They want to be rich for some combination of freedom, power, status, and consumption. If you can get that with debt instead of some sort of wealth, there you go.