A homeless person could walk into Whole Foods and buy something with cash. And there are many items at Whole Foods which are not outrageously expensive. There's

A homeless person could walk into Whole Foods and buy something with cash. And there are many items at Whole Foods which are not outrageously expensive. There's a very distinct difference between a store which has expensive items and a store which has a minimum level of affluence to even use. A poor person could conceivably "splurge" on an expensive item at an expensive store, but that is only possible if they have access.