There's also the fact that for a small minority of people spending $200 on photos is basically nothing.

I like my money too much to part with it, but realistically if I were to value my time rationally paying $100 for takeout would be a worth while trade when I look at how long cooking takes. Then if I am willing to spend $100 on food, why not on something else I might enjoy?

As I said, I don't, but that feels more like a character preference for investment/hoarding instead of any rational cost/benefit analysis.