How are you borrowed, putting a sign of equality between economy and poverty.

Savings are not a matter of income (from which the desire for it does not depend at all), but of self-esteem. A person with low self-esteem, when buying something, is guided by one criterion: "will not those around me accept me as a miser?“High – not thinking about it at all. He can afford such a luxury as savings.

Yes it is luxury. Increase your self-esteem and do not get overwhelmed. All are good!