kMS 130k range NL...................

while they could actually do something smarter with that money...

Smarter is subjective, thus it'll change from person to person.
If the person enjoys using his money as he or she did or is still using them, then let them. It's their money after all, they earned them.

For example, i find it to be a waste to pay extra money just to get a special brand of clothing, for some other people this is just something you do.