I think these are pretty good points. From what I read, 64% of Americans are unprepared for retirement with little or no savings. Unless they want to work until death, most will have a tough retirement, if not that of poverty. The urge to consume all the time and buy what pleases us on huge revolving credit card debt is one of the main issues.
I think one of the hardest things to do is striking a balance.
Of course, you need to save for the future. On the other hand, the only sure things in life are death and taxes. Fiscal responsibility is a must, absolutely. That said, nothing wrong with treating yourself if your finances can handle it.