It's a balancing act. Push it too hard, and the dream collapses. Don't push enough, and you relax back into true sleep again.
Try and tweak 1 thing at a time. You'll also need to roll with the narrative. It's like improv, saying no is dangerous, it can leave the other party with nowhere to go. Always agree with their premise, bit add your own spin to it.
As for techniques, I've found dream checks to be most effective. You need to do it regularly, while away. This will make you also do it in a dream. Mine is to check my back pocket for "hammerspace" type capabilities. I will never have an AK47, or a giant mallet in my back pocket. When I pull one out, I know I'm dreaming. It also makes nightmares a non issue.
In our current economic model, any deflation creates a perverse incentive to not spend. It is extremely bad for the economy, and all of us reliant on it. The rich are one of the few groups that come out ahead (relatively).
Like it or not, we are all stuck on that merry go round. Until we find a graceful way off, it's in no-one's interest to jam it up.