I don't think you are BU, OP.
One of my co-workers is a 58-year-old man who doesn't earn much and has a rather precarious financial situation. He worries a lot about money but buys lunch at the sandwich bar nearly every day -- we are in the US and his tab is probably $8-10 a day or nearly $200 per month. That is a lot relative to his salary. He is very open about his finances so I know there is no inheritance or large savings account etc. lurking in the background. His home and car are heavily mortgaged yet ironically he recently squandered a small inheritance on having his kitchen re-done. Yet he doesn't cook!
I have been to his home -- it is small but well-appointed and there certainly are no impediments to batch cooking, or making a packed lunch daily. He lives alone and has flex hours so it's not as though he has no time to do it. He just doesn't want to.
It's none of my business except that he tells us plaintive anecdotes about his financial woes and expectation that he'll "never be able to retire" and I worry about a man his age, with no spouse, children or others to aid him, and precious little savings and a low payout from Social Security, still being in a mortgaged house in his 60s. With a bit of economy including packing lunch and cooking economically he could have paid it down significantly.