if you make a hamburger at home, with lean good quality beef that you grind up yourself or ask them to grind it for you at the counter

If you use lean beef to make a burger, you're Doing It Wrong™. Make the burger smaller or eat them less often if necessary, but don't go below about 20% fat.

More concretely, I recommend using brisket to grind for your hamburgers. It has the correct amount of fat, plus a whole brisket is among the cheapest cuts of beef you can buy.