You're now arguing that people are dumb because they choose to spend their money differently than you?
Should I save every dollar until retirement? Should I always just drive an old car that I maintain? Hell, let's grow our own food and make our own clothes.
It's entirely possible to be financially savvy and have a $60k car. Just because I may choose to spend my money on different things than you, doesnt make it wrong. Especially when interest rates are so cheap. I'm a car guy, so I like spending money on cars. You might like to fish, hunt, fly, travel, etc.. should I argue that you're "comical" for spending money on those things? Or that it obviously makes you not financially savvy?