Are we going to pretend inflation isn’t also being driven by people acting cavalier?

Yes, because inflation is not driven by people spending money. Spending money drives the economy. Inflation means the prices of goods and services are going up. That is driven by scarcity of resources, scarcity of goods, workforce shortages, and more often than not, pure greed.

If you're arguing that prices are going up because businesses think people have too much money to spend, and want a bigger piece of the pie, then you've literally restated the original point of this thread.