Truly this is part of the Confucian economic prudence nature of the Chinese people! The trick bro is save , save, and spend whenever you want without having to buy in credit. Reminds me of my Chinese friends here in the 'states who are able to buy very pricey gadgets in cash. Cash. I'm not talking about groceries or a small hand bag or gamer controller like that, i'm talking about a $250,000 home (4 bedroom, 2.5 bathroom) --- in cash. That's what i admire about you Chinese --- may look simple, but Mama makes bank, LOL!
Anyways, congratulations on your national success bro...definitely something every nation wishes they could have and could attain. Its part of the strengths of the Chinese Nation, and the Chinese people.
Impressive!