We all need to avoid “recreational purchasing.” It makes sense to address that issue.
And debt is a monster. Anyone with a brain should fear it as far as consumer spending is concerned.
Having said that, I don’t think much of the focus on reducing spending to get one’s finances in order makes much sense. To name just one problem, any consistent use of this advice would mean telling couples not to have children. I just don’t see that as compatible with Christian stewardship.
I’d like to see more responsible, non-exploitative, Christian counseling aimed at helping people make a lot more money. I just don’t see any other way to do it.