For example, if I experience a financial setback, it’s not a big deal because money is nothing but a game world resource. It’s just game gold, something that can always be replenished with hard work and creativity. And figuring out how to earn more gold is a fun challenge, full of compelling choices.
I feel silly saying this, but when I played MMORPGs I took upon this exact attitude. In Lineage 2, it is very, very hard to make money, and you need a ton of it if you want to be any good. Well, I was one of the few who managed to come by money a lot easier than most people. This is because whenever I'd experience an in-game financial setback, I'd simply find a new, more creative source of income.
I would spend spend spend, but always with the idea that I could always find some way to make it back -- somehow... eventually; the details didn't matter. But my mind was always focused on making money. It was a challenge that I loved to overcome.
What's funny is that the conservative spenders in the game were the worst at making money. They did what they *thought* was the best way to be rich -- be conservative -- but they always had the most typical, mundane ways of generating income, and as a result, were never very rich.
It's amazing that we're so scared to take that mindset into the real world. When you think about it, there shouldn't be any reason not to.