People also fail to take into account significant others and their family in this discussion. Your spouse sees you have made a certain salary and wants something. Your kids see you have money and want things their friends have (because you live in a nicer neighborhood). Your spouse wants more kids (or kids) because you can now "afford it". You are exposed to things that you can do with money that were never on the table when you had no money. The list is endless.
And that's not even counting the trillion dollars spent each year trying to get people to spend their money.