I find that majority psychology doesn't hold for me a lot of the time as well. Money is one example. Highschool friends that I grew up with were big spenders when they were kids because they didn't have any sense of how hard it was to earn it. Once they started earning, they cut back because it was touch work for the amount they got. I was the opposite. I spent little when I was a kid because I didn't have any money to spend. Once I earned my own money, I had the money so I spent more freely. Working hard for money wasn't an issue for me. Having the money was.

Same with credit cards: A lot of traditional advice I got was that if I used a credit card (or even a debit card), I can't see the money dwindling in my wallet so I'd spend money without knowing. That's untrue for me. I dislike owing people things, so I try very hard not to use credit cards since I know the money isn't mine (and it also charges me interest if I'm late). On the other hand, money in my wallet is mine. Even if I spend it all, nothing's going to happen - I simply spent my own money. No interest, no repercussions. All mine.