What is the psychology of people who always say that others are not willing to spend money?

What is the psychology of people who always say that others are not willing to spend money? I think this question has two meanings. One kind of person is a joke, not looking down on people's hearts, plus envy and jealousy. He obviously didn't want to spend money, and he also said that others were unwilling to spend money, and he laughed at others when he clearly had no money. Such a person is afraid of being told that he has no money and is unwilling to spend money. Let others talk about him first, so that others can't talk about him. Such people are proud of their faces and have suffered a lot. Now there is another person, who is very envious and obedient to him. Because this person is good at living, he doesn't spend money casually, or he is rich and doesn't buy anything casually when he sees it. He is good at planning in daily life, and he is really watertight. This kind of person just says with respect and admiration that your family is not willing to spend money.

Are there any people around you who are extremely frugal and don't spend money easily? So some psychologists immediately put on the coat of the Guardian, accusing them of being unwilling to spend money, which is the lifestyle of the poor and the result of their thinking.