ZD:
I assume you grasped my point. It was not about basic living expenses, but the luxuries that most people recognize as such. One might “need” a car, but that doesn’t translate to the latest model with all conceivable perks. Yet, someone whose work involves considerable time driving, this luxury model may have the features needed to fulfill basic work responsibilities. I guess we are addressing the expenditures that are not basic necessities, and there are times when this is a grey area.