That's just not the case.
If you give anyone enough time, they could save up for most expensive things-- Rolex watch, High End sports car, but the more they spend on any one thing, the less they have to spend on anything else. I could save up for Rolex, sure, I could find the money, but what do I give up for that? I give up a whole hell of alot.
Its not that we're saying, "Oh, we couldn't save up $150! How would that be possible!", what we're saying s more like, "I can't justify spending $150 on a pipe, because even if I have the money in my bank account, it wouldn't be a wise financial decision. I have other things I ether need or want more than a $150 pipe."