I think about this a lot when shopping. If I see non-perishables on sale for 20-30% off, I'll stock up on 6 months' worth and almost be able to guarantee I'll see them on sale again before I run out. Someone who doesn't have that much float wouldn't be able to do so, and so would be stuck paying 20% more than me for everything forever. So much of economics is chicken-and-egg.