Woww good article, I agree with your comments
I think money talks, Money can't buy everything, but it's: "material" is important. There is a famous saying in Vietnam " 1 thatched hut two golden hearts." - it's about a poor couple who live side by side in a hut but they are still happy. In our generation, that saying has been dropped haha no one wants to live faithful and poor in a hut. The more modern society is, the more people want to have an enjoyable life, without money we can't do anything

And I hate debt, I'd rather buy a few things, I accept not buying things I like, debt makes our brains tense. Only when our mind is happy can we make money more hahaha