No it's not arrogant or pretentious, you're actually helping the situation. People who are easily swayed (aka stupid) might as well encounter some negative soci

No it's not arrogant or pretentious, you're actually helping the situation. People who are easily swayed (aka stupid) might as well encounter some negative societal pressure to not make horrible financial decisions. If more people felt like you, the people who feel peer and media pressured into living beyond their means might think twice about making decisions like this.