When I was regularly in an office quite a few years ago, there certainly were days when I just didn't feel like cooking at all and would pickup takeout. However, I also had a stable of recipes that were generally in the vein of throw some things in a skillet and saute for 5-10 minutes. Especially with partially pre-prepped food in grocery stores these days, it's pretty easy to throw decent meals together quickly with very little time or effort given just a little bit of planning.
Laziness is an adaption, and we adapt to whatever level of effort is required. Money is just an intangible so it's easy to be wasteful with it when it pretty much doesn't exist and is just a number somewhere we can't see.
But if a particular luxury disappeared, you'd adapt just fine.