You are not wrong. I’ve been pretty fortunate in my adult life and I’ve adjusted the threshold as I go. Really the point is to slow down your decision making and reduce impulsive purchases.
…also, thank you for calling me out. I grew up pretty poor, and didn’t ever make much more than minimum wage until I was over 30. I think I internalized the frugal lifestyle as part of my identity during that time, and I often forget that is not my situation anymore. I appreciate the occasional reminder to be more grateful of my current privilege.