I don't completely agree with your 5th point. By the same argument, auto manufacturers make a profit, so don't buy a ready made car - you can make it cheaper yourself! (Maybe the part about auto manufacturers making a profit is a bit shaky these days)

Sure, going to Starbucks is not a good use of your cash if you can't afford it, but where I am some of the cheaper restaurants can give me a decent meal for around the same as if I cooked it myself. They get their ingredients cheaper than I could and they make their money from the wine that I buy to go with it.