Until the corona virus happened I also thought so too, but since then everyone enjoyed free money from the state. I put the government money to the trash but I don't know anyone who did the same. There is a lot of undisciplined free money I noticed since then: free money to buy sanitary pads for girls at school, free money to put another layer of concrete in a park, free money for solar panels, free money for electric cars, free money for izakayas, free money for holidays, free money for more holidays (just in case after the pfizer shot), free money for companies who applied, free money for the digitalization of society, free money for Ukraine, free money again to Ukraine, free money for the Go To Travel campaign... Since 2019 I have an infinite list of examples of what we could call lack of financial discipline.

And now the government tries to show how the new NISA will make you richer, I have heard examples of people getting good returns on government bonds. My personal feeling is this is all gaslighting.