HS, I notice a strong anti-American sentiment in your writings.
“Americans are proud of spending, not saving. They want to show they are rich, but in fact, they are not. They live in debt to have their luxury life.”
a) Not ALL Americans are as you think. Be careful of blanket statments about any race, religion, country or culture.
b) The garish display of wealth, whether real or false, is largely a southern California phenomena. If you travel to other parts of the US, it is not as prevalent, unless those pesky Southern Californians have moved in.
c) Realize that your sentiments are being read by thoughtful, caring people that largely do not represent what you find reprehensible. I think most of us believe as you do about saving, etc.
d) I assume you are here in the US. If you dislike it as much as your writings indicate, please leave.