I used to work in a bank, and in handling large amounts of money I became quite desensitised to it.
Later, when I began to do a lot of my banking electronically, it became just a set of numbers - nothing tangible. Like you, I have not invested any fiat in Steem, so what is in my wallet has been earned on Steemit - and again, and especially because I haven't figured an inexpensive or easy way to withdraw any, what I see in my wallet is just a bunch of numbers.
So I guess in a way I have an enforced savings plan. :D
When it comes to upvotes, I don't yet have a slider which may make a bit of difference to how I dish out rewards, but I've found that until I know I am below about 80% and have to wait soooo loooong for a restock, I'm not as discerning as I should perhaps be - but there are often sooo many posts deserving an upvote some days it's easy to be overenthusiastic about dishing the upvotes out. I'm far more cautious upvoting comments though, they have to be pretty darned well good to stir me to vote them.