A 3000 square foot house doesn't provide any more "need" for somebody vs a 1000 square foot house than a game of League of Legends.
Let's not pretend here like somebody making even $20,000 per year can't afford the true needs to live (water, food, some form of shelter, and air). The fact is, free services available to many today do provide a value to people.
Regarding the inability to invest, it's a lost cause attempting to argue the point, as people who don't get it simply don't get it, and will always come up with a reason on why it isn't possible for them, and how they are an exception. Meanwhile, I'll continue to invest, as I did while working at Sam's Club making $8.50/hour in college pushing carts.