When people are busy spending / spending money, because their mindset is money to buy things and they and they will take a credit card (installment).
If the rich think otherwise, everyone who has money should make more money. They build assets. How many of us think like that.
The rich will live in moderation (not necessarily), they withhold spending to maximize their income / assets. And although they are already rich, they will live a modest life, or even if their lives are glamorous, they will not spend more than what they produce.