First of all, the spirit of hard work and thrift means avoiding unnecessary waste as much as possible, rather than not spending money. Loan consumption refers to a consumption pattern of "spending tomorrow's money to fulfill today's dream".

Second, optimistic about future income and moderate loan consumption are conducive to meeting personal needs and promoting social and economic development, which is desirable and not in the spiritual contradiction of hard work and thrift.

Third, regardless of future income expectations, blind loan consumption and ahead of consumption are unhealthy and unreasonable, which violates the spirit of thrift.

So the viewpoint in the material is one-sided.