There are those who are good stewards of the possessions that God has given them. Others are quite wasteful. Then, among all the other categories, there are those people that make an idol about taking the worst of what is offered or available.
Maybe this will help you think it through. Here is John Calvin on over spiritualizing our frugality:
“If a man begins to doubt whether he may use linen for his sheets, shirts, handkerchiefs, and napkins, he will afterward be uncertain also about hemp… For he will turn over in his mind whether he can sup without napkins, or go without handkerchief. If any man should consider daintier food unlawful, in the end he will not be at peace before God, when he eats either black bread or common victuals, while it occurs to him that he could sustain his body on even coarser foods. If he boggles at sweet wine, he will not with clear conscience drink even flat wine, and finally he will not dare touch water if sweeter and cleaner than other water.”
– from John Calvin, Institutes of the Christian Religion, ed. John T. McNeill (1559, reprinted Philadelphia: Westminster, 1960), 1:839.
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