Yes that's true. That's why business people not happy that those FIRE people are spending. Even got books to teach you how to spend die with zero.

Maybe each person has experiences that define how everything is will on. My wife also initially  have a difference of opinion with me. Then after a number of years, after hearing from different people in her circle of influence while keeping in mind my way of thinking then did 360 and agreed with me.  My way is simple... do not be selfish and think the world rotate around you. Each of us must also think about our partner future living and so while we distribute what we need to while both are living we should let " the last men standing to decide on the bulk of our estate. Most of the time statistics show it's " last woman standing".