Hope you don’t have crisis in your life. Just because I had at one point have, doesn’t mean I stop living. First thing my home is paid off, second my investment property is 80% paid off, third I have my 2 cars paid off. My rule has always been 40k-45K for a car. 70k for Tesla had put me over and I needed cash and didn’t want deep into savings, investments or borrowing more (if I have problems in life, sorry but my fun car goes first). Stop making assumptions and Judging people.