money can make you lazy, that's fer sure. The effort of scrimping and saving is mentally taxing and years of it has given me a buffer (unless the gods dish out fates). So why not enjoy the lack of constraint? Does that delude me? How would I know? I was brought up by a mother who knew the privations of depression & WW2 & brought up by poor parents. And it instilled in me a pecuniary nature. But more recently I find I get more pleasure from not buying the cheapest bread etc. Though still go for on offer, close to sellby's every time. As long as it is something I would normally buy. That is a pleasure in some small way!
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