I've felt similarly about tattoos. I've never understand someone complaining about their student debt when they've been to a dozen or so countries, or have $20K of tattoos on their body, or spend more on door dash per week than I do on food per month.

I do think for some people the number gets too large and it becomes abstract. $100K debt and they think "I'll never pay this off" while they spend $1000 a month across discretionary extras.