There is these ego-centric nature we have as humans, ..we want prestige at all cost, there's this glorious pride that comes with getting the most expensive things money can buy especially if you have it, its in human to spend, thats like the spirit backing money once it enters your hand it wants to get out quickly some notion support this as well by defining it money as "currency" cause it as to flow you can't trap it...thereby conditioning the mind to believe spending is the ultimate goal for having money....right as you said instead of reinvesting it to yield greater value ...obviously this is still a mirage to many Africans ....