The living conditions of poverty decrease cognitive capacity. So, in the cases where low-income households are not exceedingly proficient at stretching a dollar

The living conditions of poverty decrease cognitive capacity. So, in the cases where low-income households are not exceedingly proficient at stretching a dollar, there's an explanation for that, outside their control. In any case, your first statement is objectively wrong (they can't afford decent food), and it's incredibly insulting on both a personal and intellectual level to compare people who are unable to keep themselves from dumping hundreds of dollars on luxuries to people who are splurging on, say, a full lunch instead of the PB+J they'd have time to pack otherwise.