If you have good reason to believe that your model of the world is accurate and mine is wrong, then please come back with arguments rather than a mere prompt for me to switch from my possibly biased view to your possibly biased one.

I have given multiple paragraphs of explanation both to your self and to another user. It would be one thing to say "I disagree with the reasoning you have given" but it is quite another to say "you have not made arguments you have merely <some petty accusation>". This is a disingenuous social move that is more common than I would like and one that I hold in contempt. I'm not going to engage further with this kind of debate tactic or reasoning style.

Your contribution to this thread represents an attempt to influence social behavior and normative beliefs via moral authority. You may consider the proposed normative beliefs summarily rejected for the previously expressed reasons and your influence in that direction opposed to whatever small extent a few comments entail.

3) I'd really like to know why you think that my unwillingness to spend money in this specific way is such a liability for me. Why not just shrug and say "okay, this cheapskate can go get motivated some other way" instead?

Straw man. I've said no such thing. In fact, I've made quite clear declarations to the contrary.