If you think that someone else is wasting money, there are two possibilities:

1. They are spending money foolishly to get things that will not actually help them achieve thier priorities in their context.

2. You misunderstand their context or priorities and for them to follow your advice would be penny-wise and pound-foolish.

Monetary Frugality can waste time, trust, team performance, or all three.

The countability of money creates a special case of the https://en.wikipedia.org/wiki/Streetlight_effect.