It's not like Americans are all buying X so they can't afford to buy Y - there isn't really a major category of consumption where the US median is below the OECD median. If the US had a higher savings rate, then people could smooth out consumption more (build up savings some years, draw them down in bad years or in retirement), and maybe enjoy more psychological security. But it doesn't really make sense to say that Americans are unusually "bogged down in expenses" and yet have more goods and services in every significant category.