Agreed. But looking at news story after news story about people up to their neck in debt not knowing what to do to get out of their financial mire and belatedly realising that buying the latest greatest, following must have trends, flitting off to eg Dubai etc was their downfall; leads me to believe that a bit of frugality wouldn't come amiss in some quarters.
Bit OT - maybe we need a frugality thread.
I agree with all your points, the point I was making is that if you can afford to then why wait.