We argue about how to do this, what to spend it on. For example, gov't is encouraging consumers to buy homes, encouraging it as much as they can. It might seem like we are each choosing how to spend our personal funds if we don't understand the purpose of money.
They may encourage as much as they want. I can spend my money on rent if I choose(or live under a bridge and spend it on Mad Dog 20/20 and understand the universe a bit more). However, when they take my money, I lose control of it.