Granted it’s a lot easier - a LOT easier - when your basic needs are covered
I agree. One thing I've thought a lot about is how some unknowns, like healthcare and how much money I will need to cover expenses until the unscheduled date of exit-ing the mortal coil - in other words insecurity - pushes the "moar" button quietly and constantly and leads to overshoot. Curiously, it's a common argument against "social" security that people will all become lazy mooches. But maybe that's more (not moar) what we should be doing.
Think of the irony of the "labor saving" devices of the last half century - promoting the idea that if we just had all these gadgets to make life easier that we would have more time to be lazy. Well, THAT
sure as cars backfired!