I find that I same scum when I am pretty much going to lose regardless of what I do, or If I just want to get some good Items out of a rare encounter. I find that the frustration of losing and making up all the progress up to that point, recovering the money or Items you lost, resupplying on expensive product, or just having to go on without a party member that you rely on for the sort of thing your trying to do, be that some things or everything. I typically play a game save scumming full power, so that I can have a lot of fun without all impediments, then I just play the game no sell on it because I already beaten the game and want to try something new. I not saying I abort every time I fuck up, but when continuing would be what I consider VERY counterproductive, like losing all your money if you lose is some games, setting you back all the way to the star of the a long level( platformers being the exception), or even the entire game, or losing party member you've been leveling up so carefully, either temporally or permanently.
Things like losing some battles, having some characters downed as I fight, screwing up some things etc., those things I can deal with, because they are at best minor setbacks, and at worst a problem that that be overcome with some hard work or ingenuity.
But if I keep fail at something because I didn't get I JUST right, I get hit with something that was unfair or that I was not prepared for or COULDN'T be prepared for,, If all the progress I made, all the hard work turns to ash in my mouth, I have no qualms about save-scumming, or whatever you want to call it.
I rather save scum, detracting for the experience a little bit or I lot, possibly being called a cheater for it, then play it right and die over and over again, botching everything haven't done before or have done before, but I didn't do it in a particular way or do it too fast/slow, then being sent back to mission base trying how to find the sliver lining in those fuck-ups, tearing out my hair and slowly going mad, or not even that, and having to redo everything for the damn beginning, eventually taking my game out and breaking it with a particularly convenient ball baring, or sealing it in the vault, to be lost to time, unloved and uncared for all eternity, while I sit around trying reorganize my room after that meltdown.