This is true for investment-level amounts of money and larger percentages, but much less true for everyday purchases and small percentages. For buying a thing, a year of ownership is much more valuable than saving 2%. Look at the computer industry where waiting a year or two almost always gets you significantly better hardware but that doesn't stop people from buying new ones often.

And debts adjust their rates along with inflation/deflation so that effect ends up much smaller.

As for houses and cars, we desperately need to make the economy less focused on the value of houses and cars...