You're a smart person and can probably manage your money better than most Americans swept up in consumerist hysteria.
The problem is, most people bitching about "not having enough money" will say that the decisions you made are "not good enough" for them. They believe they are entitled to more before others who have less so they can give that excess to the people ripping them off.
And if you say anything about it, you're the bad guy.
It's fine for you to think that.