In my opinion, it is a combination of both societal influence and personal choice when it comes to spending money and determining the level of luxury in one's lifestyle. However, nowadays, inflation may be a factor contributing to the need to spend extra money. Additionally, it can also depend on the economic condition of one's country.
The influence of dependence on the country's economic conditions will not be too much for every citizen as long as they can still work in a place that can provide them with money. However, the difficulty that is often faced by every citizen is at their own level of luxury and lifestyle and when they start spending money without consideration for saving.
Even though there are conditions where they are forced to spend money excessively or unusually, I think they won't be forced to do this forever if they still want to find ways to stay frugal in their lives. Because it can save him a little from the difficulties that occur during this inflation.