Shitty advice from fin-fluencers

I honestly don't think it's that outrageous that a bank or a service or a mutual fund charges us 500rs or 1% or whatever. I think it's more important to focus on increasing your income than cost-cutting and looking at saving 1k/2k per year. I know so many people who go all in on creadit cards and points and discounts etc. and try optimizing for everything but I don't have the patience for it and neither do I think it's important. If I can somehow keep growing my income by a steady 15-20% every year, that's so much better.