No, your take is very stupid

you just avocado toast even harder. Now you not only over generalized people, and willfully ignore the cause of the problem.

You then turn items that are essential to life in society into irresponsible luxuries. If you can’t afford to rent there is no such thing as an affordable phone/car.

The point of the post is that it’s not merely impulsive spending and you went, “nah, it is just that”

The Ratio says it's actually pretty stupid. The percentage of people who can't afford a home purely because they bought a $60k car is going to be absolutely minuscule, but it's a great dog whistle for trying to lay the blame at the feet of personal responsibility.

There is no such thing as a $3k car, those days are gone. If it's going to be something that is expected to start and drive every day without major repairs that are overdue, you need to spend closer to $10k.

I know this because I recently bought my sons some used cars. Used 2006 Volvo was $6k in about as good of condition it could be for the age and miles. Still needed a bunch of little things that quickly added up. New tires ($800), PCV breather system ($120 did myself), new ignition coils ($200, did myself), brakes ($80, did myself), etc. If I wasn't doing my own work, it would have been 3x the cost.

I also bought a 2013, nearly identical car to the 06. It needs far less, put tires on it, still has an evaporative emissions leak causing a check engine light. Not going to fix that.