I have nothing that I really want but don't want to buy. To be precise, as long as I can afford it, as long as I really want it, I will definitely buy it. I don't want to buy it because I don't have enough money, not because I don't want to buy it

In fact, everyone has what they really want, but the money in hand is never enough. They can only buy what they can afford first, and then wait until they have enough money. There is no problem of reluctance.