> If you're making the equivalent of $50 an hour, an hour spent agonizing over how to save $25 is a net loss for you.

Only if you would have spent that hour working instead, and if you would actually earn an extra $50 (net) for working that hour (many people wouldn't), and if that potential hour's work is now lost to you.

It's pretty rare for all three of those things to be full, and most of the people I've ever met who have been in that scenario have learned pretty quickly that working every hour possible isn't really a fun way to spend your life.