Prudence man!

Sinkies are now advised to be prudent and not to buy too many over priced properties. Would anyone want to advise Sinkies not to be warded in expensive hospital wards that they cannot afford to pay or would empty their little savings in their Medisave accounts? Would anyone want to tell Sinkies to buy flats that are within their means or even smaller so that they have more money left? Cannot?