Thankfully indeed! I think sometimes it's good to opt into putting funds away that we can't rather easily access whenever we feel the itch to do so. We've definitely been conditioned to be pro consumers and spend more than we tend to earn, thanks to easy access to bad debt.
Yeah there's sadly a lot of bad debt floating around out there. I think we might be turning a corner and getting smarter with money, at least the peeps here on hive are!
For me, Hive helped a lot in that regard. I understand better the inner workings of money now.