@HODL holding, thinking, working out. These cost nothing. Anyone can do them if they chose to. Having kids, eating right. These are not without cost. The things on your list are no all equal. If you want specific examples; I could not afford to have more kids and continue to live where I do. For me this is more than difficult it is untenable. I have traveled to places where the options that people have are eat what is available or don’t eat.