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What you just described is someone that doesn't have any trouble coming up with $5K. I don't see how it stands as an example against what I wrote above. The fact that significant amounts of resources are deposited in various savings and investment vehicles stands in stark contrast to the kind of degenerate that had only $5K to their name and spent it all at casinos.
The watch part is just an example. You don't want to because it doesn't make sense (or, at least you don't want to enough to overcome the fact that there's a tradeoff). I'm not critiquing that in any way. I like watches, but watches are a stupid purchase, an expensive toy that doesn't really do anything. My usage in that paragraph is about capacity rather than the actual choice.
No, I suppose it doesn't. You've sufficiently removed my doubt about how I was to interpret your point.
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