It's easy to get the spiritual pride goin'. You sit there all the time, thinking these lofty thoughts, about not being attached, living simply; you read the esteemed writings, your mind is constantly filled with these virtuous things. It's easy to get caught up in that, because we identify ourselves with our thoughts, they are so fascinating. Pausing in the philosophizing, in between all these holy ruminations, sometimes you get a glimpse of your own behavior. You gotta be paying attention though, because it's easy enough to ignore.
But if you do look, you see that you aren't nearly so wonderful as you thought. You talk about letting go, but you hoard your money. You believe in being present in the moment, but you panic and freak out when you get a little lost on the way to a new coffee shop in an unfamiliar part of town.
Times get a little tough, and no longer can you coast along in a fog of holy thoughts. So often when it's time to test one's mettle, you fail completely. You weren't living the good life at all, you were just thinking about living it.