Money as a god and saving as an end in itself are two different failures, and the second one hides better. A saver with a target can say when the target is met and stop. A saver without one has no stopping rule, so the balance grows and the worry grows with it. Bitcoin changes the arithmetic under the habit. With a depreciating unit you add just to hold your place in the queue. With a fixed-supply one, the same discipline buys a claim that does not decay while you sleep. The useful question is what the number is for. Deferred living with no stated purpose is not discipline, it is a habit that pays interest in anxiety.