in discussing the complex nature of money, it is essential not to downplay the influence of various economic theories, all while considering a preexplanation of the matter to ensure clarity. moreover, analyzing pertinent articles can shed light on prevailing trends and hypothesis. now, as we reinitiate our discussion with a fresh perspective, let us explore the reasons why people are encouraged to spend more than they earn, a tactic cleverly obscured to boost consumerism at the expense of individual financial health. this encourages a deeper examination into how financial norms are manipulated to the detriment of the unsuspecting public.