While I agree in theory, in reality if you have little money and mouths to feed and shelter to secure you don’t have a lot of time to think about building things. You’re in survival mode. If, on the other hand, you’re spending your meager excess on smokes, dope, alcohol or shiny things then I agree wholeheartedly with your contention.
We used to have a term for that when I was young, but it uses a derogatory term not allowed to be uttered in polite society.
In my opinion, even if you are in survival mode, you sometimes have to say “fckt” and do what you have to do. If you just buy one thing wholesale to resell at retail and then do it again, you’re on the road to long term prosperity.
You sometimes have to hurt yourself more than you are hurting to create the conditions to end up hurting yourself less.