Yes. On top of what the other person replied to in terms of borrowing power, you also have general goods. Buying in bulk saves money. But it requires you to be able to pay upfront for it. On top of that it requires storage and transportation too. It’s small things like buying 4 rolls of toilet paper vs 30 rolls. 30 rolls of toilet paper are expensive and take up space, but long term it’s the better option than 4. It’s the boots argument, but without the classist angle that OP is so upset about.