My point is that you make it seem like being unable to afford nice things is mostly a result of personal choices. In reality, the reason people struggle to afford nice things is because rich people are picking our pockets. The solution here is not to join the ranks of the fat cats, but instead to stop the absurd levels of thievery they are doing. This is not a personal problem that can be solved with personal responsibility, but a systemic problem that requires a systemic solution.
If you need an easily comparable situation, I think it is important for people to recycle and limit their waste production. No matter how conscientious I am, Elon Musk is going to overpollute our planet on the scale of a small country with the broad approval of our government. This is also a problem that requires a systemic solution because Elon Musk is only capable of creating so much pollution since he is supported by the systems our government runs on.