I know, right!?

I can't tell you how many people over the years I've tried to help who claimed, I just can't afford . . . [fill in the blank with minimal personal investment]

So I frequently would respond, "Do you have a beer?" Or, "BTW, do you have a Diet Coke" or "candy bar" I could munch on while we talk. It was a test. And INVARIABLY, they did.