If everyone can afford a nice coffee in the morning, there's a cute little cafe every 100 feet to serve it to them; if there's only 100 people in town that can afford that habit they're all going to have to hop into their swanky limos and haul their groggy asses to wherever the exclusive Coffee Club is located to get their fix.
If there's no public transit or bike infrastructure, your swanky limo is stuck in traffic behind 120 beat up Honda Civics.
If there's workers rights and public healthcare the barista there wants to have a nice little chat with every customer, because that's the human default way of greeting people in the morning. If there's not they straight up don't have the spoons and you get the dead-eyed Gen-X Millenial Gen-Z stare while you order.
No amount of individual expenditure will buy you what living in a healthy society gives.