I am trying to be clever here but I don't think it's working. There is some wisdom in the concept of a forced savings account, fundamentally this is what Conservativism should be about. You know, saving for a rainy day.
This passion for the absolute may be well-intentioned but happiness is deceiving and, over time, subject to habituation. This is an ethical conversation spanning both short-term and long-term considerations. Value, utility and future outcomes are predictive. Information is the equalizer.