This seems a little reductive, like nobody has any agency nor are there any shades of gray, you're either black or white, true or false, spend or save. I'd argue people prioritize different things and a lot of the reasons they prioritize those things has to do with their upbringing or personal history.

I'm sure, in general, people should save more. Just feels like everyone is quick to jump on others for making different choices without understanding the context of those choices. It is the whole "Should people on food stamps buy a birthday cake?" question again, and every time that comes up all hell breaks loose.