I'm 100% with you dude.
I've always tried to save first and then get it. It's the same with cars, so many people have a snazzy new car but the reality is a lot of them are paying never-ending monthly fees. You can get this to work but in the long run I'm not convinced.
I didn't realise I've always had a low-time-preference until I read The Bitcoin Standard and that's when the penny literally dropped and why BTC makes so much sense to me. The volatility argument also fades away then because time is your side :-)