It's a spectrum, that's for sure. How would you define the fiat mindset?

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acting in the spirit of greed for one

The fiat mindset to me, is staying in the rat race with full awareness of being in the rat race. Being overly obsessed with saving up for future ‘security’ and not knowing what is ‘enough’ for you. Not focusing your time and energy into things that are the best expressions of who you are as an individual