I agree so much with your addiction explanation. Our spending habits are also addictions. We cannot stand up to change it until we realise that the problem exist. After realizing, determination is important. After determination it is crucial to keep on progressing on the chosen path. They speed may be slow. We at times may fall but we shouldn't stop and keep on improving.
I heard somewhere Wealthy is the person who keeps his expenses within his earning. That's the truth. I have seen people who increase their expenses as soon as their income increases. Then they are always crying for difficult financial conditions.
About debt, I have the similar view. I think being in debt is the burden that never let us be free.
It is the only way to accumulate, isn't it? Do it for long enough and expand it consistently, it should work.
True. It is the only way. Consistency matters