There is no shame in being unable to afford things, and nobody's 'fault' if they are hard up. Life just works out differently for all of us, and I don't see it as miserly to prioritise things so that we can buy the things we like, even if that might mean doing without other things. As an example, doing without a big holiday so that you can have butter instead of margarine and put the heating on (or whatever), or going home for coffee instead of paying to have one in a cafe can just be money management, not meanness.
Where I find it irritating is when people try to get one over on friends or businesses. I had a friend who was mean to the point of stingy. She was an accountant, and was used to doing her own books (for her business), and would be 'creative' about that, and it spread to her personal life. She would say to friends 'Oh, I'll charge you 'mates' rates' and you can buy lunch' and not put the transaction through the books. This meant that she would get the money tax free and also get a free lunch.
She always ordered three courses when someone else was paying or the bill was split, but if for some reason we were paying separately she would get the cheapest thing on the menu. We used to meet once a week and often went somewhere with a set menu except that if you had king prawns each course was an extra £3 (ten or so years ago), so her 'share' was always £6 more than mine as she didn't eat meat but did eat prawns. We always split the bill, and this went on for years. When the restaurant closed for refurbishment, we moved to another for a while, and the way their lunchtime menu worked there were no prawns and the veggie option was cheaper than the meat one, so her 'share' cost less. She insisted on paying separately.
That is one example of numerous similar ones, my favourite being when I said I was buying something at Boots, and it turned out to be on BOGOF. She offered to get it using her Advantage card to get the points and she would keep the free one
. I thought she meant that she would buy the items with her points, which wouldn't be so bad, but no. She wanted me to pay full price, give her the freebie and put the points on her card rather than mine. I declined. Had she had no money I would have happily offered the free one, but she probably had a higher household income than me. She would also leave the labels on clothes so she could wear them and take them back. That is mean. Being careful because you don't have a lot to spend is not.