Perhaps. . .but I don't know of many people who take their weekly/monthly check and go spend it on guns/cars/boats without taking into consideration their other obligations. . .
That's because folks can rationalize doing the guns/cars/boats thing with credit cards and easy financing. They ain't spending this week's pay without taking into their other obligations into consideration, they're spending next year's pay.
Lord knows I've never lived on frozen burritos and Ramen Pride because I just had to have some rare old Smith revolver.