That is the truth. I have noticed this with some people and I am always quick to point out you can just buy 1 dollar here or 5 dollars there. I think its a problem at mass scale and comes back to basic financial literacy. These are people who struggle to even put 1 or 5 into a savings account to begin with, for whatever reason that might be. I guess we should just consider ourselves lucky and stay humble to be in a different position.