Its interesting that the bible, especially Proverbs actually extols the virtues of working hard and being wealthy. Nowhere in the bible does it say 'pioneering is the key to success'.
Instead, Proverbs 13:22 is a really profound verse that recommends the opposite but is yet another verse JW's choose not to live by. It says, 'a good man leaves an inheritance to his grandchildren.'
If everyone followed this advice they would try their best not to blow every cent on themselves but look to the future and think about how to live up to our responsibilty to make our childrens lives better. It forces you to plan financially and build wealth. It even incentivises parents to stay together through the tough times for the sake of their childrens well being.
It takes effort to stick to a financial plan, but its not a question of being smart, because if that was the case every stock-broker should be a multi millionaire, which they arent. It actually takes big balls to take a leap and invest, or start a business,and no one knows what tomorrow brings so you have to calculate as best as you can and keep an eye on your investments.
Wealth doesnt buy happiness but id rather be depressed driving a Porsche than a sh1tbox that breaks down every couple of days.( I dont own a Porsche but you know what I mean)