Probably not the best analogy, but I think we need to talk in terms of sticker price versus cost of ownership. It's kind of like how car dealers always want to talk about the monthly payment rather than the total cost of ownership. That $300 per month lease payment sounds palatable, until you do the actual math and realize how much it will cost over the life of the lease. And you still don't own the car. But, hey, it's "only" $300 a month. Or how the banks are so willing to pre-approve you for a house you can't afford. The new home buyer is all excited because they can get a $300,000 house with no closing costs and nothing down. Yeah, but do the math on that 30 year mortgage at high interest, add in mortgage insurance, and realize that the monthly payment is more than you can actually afford and you'll be owned by your house before you own it.

Maybe that's the difference between the groups I've described above. There are the newbies, buying that car or house without realizing what it will cost them in the long term, versus the folks that already have learned everything the hard way, refinanced the mortgage or downsized, and are now settled into a more sustainable pattern.

And don't even get me started on what an overuse injury will cost.