you've laid it out nicely, this is the mindset of the poor and average people. I always remember the photo of Jobs's living room in the 80s. When there isn't too much crap around, you can actually focus on what matters.
http://imgs.sfgate.com/c/pictures/2004/07/24/ho_jobs_1.jpg
http://money.cnn.com/galleries/2009/fortune/0911/gallery.ste...
$3000 Eames lounge chair, hand-made carpet, etc.
My intention was: The mindset of poor and average people is commonly very affected by this, with least barriers, falling into a rat race, as a cause and a consequence.