Growing up in the 40's 50's, lot of stuff you think you need is not need but want...The stuff my kids have I didn't, but of course they weren't invented yet. Just shows that need/want changes with society. My credit card has a 1500 dollar limit but I hate when I have a 400 or 500 dollar balance, figured I spent on stuff I didn't need to get it that high..Also the habit of the folks to take out Home equity loans against their mortgage is one of the stupidest things I ever heard of...And then you wonder why your in an upside down mortgage situation....
Just too old to understand that kind of thinking...Of all the homes I have lived in during my 7 decades, only one had air conditioning....but do appreciate that one of my kids gave me a window a/c for my birthday one year.