How about D&D is a terrible model for life?
You start off at lvl 1 wanting a head start. By the time you're lvl 5 you're eyeing that gear for lvl 15+. By the time you're 10, it's gear for 20+ etc. etc.
You're actually learning to always want more and more, and yearn for something that you shouldn't have.
You're in fact getting accustomed to exactly the mindset that drives people to spend and borrow money, to attain that.
Whereas you're born, and you want virtually nothing, provided your basic needs are met.
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Moderation should be moderately moderated.
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