There at least a third option, which is neither: a chore.

> You're not getting rich.

This is just a matter of degree. The point of the OC was that reloading was motivated by cost rather than ideology.

My point is that, even if an activity saves (or makes) cash, if it's a chore, at least some people will be willing to spend the cash to avoid it. Depending on how much an individual values, in dollars, chore-avoided-time that could have been spent on leisure instead, the activity may not save any money at all.