I've identified this problem in my gameplay in roguelikes. It's hard to predict precisely what will be needed in later levels, so I find myself being quite a bit too conservative. I'd love to see research on this behavior.
It illustrates :
> the paradox states that an increase in autonomous saving leads to a decrease in aggregate demand and thus a decrease in gross output which will in turn lower total saving. The paradox is, narrowly speaking, that total saving may fall because of individuals' attempts to increase their saving, and, broadly speaking, that increase in saving may be harmful to an economy.
For whatever reason, I still can't let go mid-combat, but when selling it I have no issue.