Not mutually exclusive just one situation the barrier is not having the money in the first place and the other the barrier is exercising the self control over the thought "I have the money, I can get this now". It's a common hurdle for those who've grown their income and a pretty decent problem to have (as far as problems go).

Apparently it's why the entire American economy cratered during the pandemic and so-called lockdown, if well-off people aren't allowed to waste massive amounts of money daily it destroys America.

The whole post is some ridiculous first-world tears, just wow.

It's a joke.