Wealth is measure by our capacity to meet our own needs.

If a transaction robs you of that ability, you need to add the cost of that loss to the seemingly low monetary cost.

Example:

Food delivery is deceptively cheap. Of course, it carries a health cost but it also exacts a penalty on our ability to feed ourselves.

Because the habit of relying on others to conveniently spoon feed us is akin to muscle atrophy.