There is a giant difference between not spending cash on something because you genuinely cannot afford it and not spending cash on something because you do not want to.
I respect people who are frugal because that is the way they chose to live their life.
However, I recently had an experience where being frugal affected my own personal comfort. I started dating a girl a few months ago! Everything went really well in the beginning and both of us seemed to hit it off. I knew that she was frugal, but I did not realize the extent of her frugality until I stayed at her home. She invited me to stay over for the weekend for the first time. Naturally, I was glad to spend more time with my new girlfriend. It happened to be a truly hot weekend, but I figured we could go to the beach or go to a friend’s pool if it was too bad. The worst case scenario is that we could watch motion pictures inside in the comfort of the air conditioner. When I first stepped into her house, I observed that it felt truly hot and stale. I did not know the cool comfort of the air conditioner that I was hoping to feel. I let it go because I did not want to be rude. We ended up going to the beach so I figured she would turn the air conditioner on before we left so it would be nice and cool when we got back. I was wrong. When we got back the air conditioner was still not on! I decided to ask my girlfriend about it. She doesn’t use the air conditioner because she wants to save cash. I decided to leave.