The "Dad who books a rusty boat to Honolulu from Seattle to save $0.04" syndrome-
At the opposite end, we find ourselves scrounging every last cent we earn in case we'll never earn more and all money that isn't ours disappears from everywhere. Sometimes it's to buy that super special item late in the game. Sometimes it's to have a cushion or reserve for when we need supplies, like upgrades or health vials, or when we know we'll be forced to spend anyway.
Because we're either too conservative or just self-loathing, we forget that it's okay to get something we want, even if we have a current goal for our existing funds. Just so long as we keep an eye on the spending. Take GT5- no, don't take mine, I mean figuratively. In GT5, everything is very costly, and very maintenance driven. Turbos that cost as much as Civics, Civics that cost as much as BMW's. Oil changes, chassis repair, paint for cripes sake! Then you see those glorious few vehicles that command both your absolute attention, as well as insane prices. Christ, where do you find the money for all this??
The funny thing is, we tend to forget that as we progress further, the rewards are greater. Granted, in GT5 the races can reach ludicrous lengths, but I'm typing in general. What we're really trying to avoid is both running out of funds, and grinding, something that affects both money an experience (though experience is a different subject). We see that Mustang for cheap and think "wow, what a great deal, only 30,000 credits, and I have 7.8 million of those!"
Then we remember why; we're trying to earn that one special car that costs more than Rhode Island, like the GT40. Suddenly the Mustang becomes too expensive. Yes, the 30,000cr car is too much compared to the 20,000,000cr car. Don't forget, we have all that micromanagement bull we have to take care of.
Eventually, though, we realize we're just making a riot hash of it, and buy the damn Mustang. Then buy everything we can, and blow all our funds. God damn it...
Also, remember, I'm just using GT5 as an example. This can apply to any game with an economy.