NEW YORK--(BUSINESS WIRE)--HSBC Bank USA, N.A., the U.S. banking unit of one of the world’s largest financial services companies, today announced the results of an HSBC Direct Consumer Survey which revealed that, despite consumer confidence at an all time low1, Americans continue to treat themselves and others, with over half having “splurged” within the last month. However, 82% of respondents are aiming to save, and also recognize the control involved in saving - as one in five claimed that saving requires more discipline than quitting smoking. Respondents indicated emotions are strongly tied to spending decisions, with nearly half citing “it just feels good” as a reason for splurging.