If that point is sufficiently far into the future then by the time you decide to spend, your money may paradoxically become worthless, because all businesses shutdown because of a lack of spending.
That would cause the aforementioned economic collapse not to happen at all...
In such scenario the smart person is not the one who postpones gratification by storing the marshmallow, but the one who eats it now because there is no future
It's really interesting, BTC moves the analysis from balance sheets to people's psyche.