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To a person of limited means, it is only more important and obvious that one must have one's little indulgences. As long as these treats neither grow monstrous nor get squeezed into a blinking scarcity, the zest remains.
The correct financial allotment for these indulgences is, I would suggest, ever so slightly higher than is reasonable and comfortable for said person. This adds a blade's edge of excitement, subversion, and self-scuttle that makes each indulgence criminal, though faintly, and allows the "limited means individual" to savor the pleasures and anxieties of both perpetrator and victim, a real roundhouse of utility thrown in for the price. Some might say a bargain.
The very real possibility that "living above one's means" may ultimately lead to utter personal ruin adds value to the purchase of any new book, drink, private pool membership, smart sunglasses. These items take on a criminal aura, they have a little theft glow, a black market glee. But unless the individual is a masochist, he or she must...