Car insurance is legally mandatory if you drive a car. If your income is predicated on being able to commute by car (as it is for many Americans, though hopefully a trend toward remote work will ameliorate this somewhat) then your insurance is no more optional than your gas.
People also talk about smartphones as though they're a luxury item, but for most intents and purposes owning one can be viewed as required. Tons of services, including your bank, require a cell phone for authentication, if not to use their services at all. Everyone from your boss to your spouse has an expectation that you can be reached most if not all of the time. I try to avoid being reachable at all times, but this is a luxury I can afford because I'm relatively well-off and technologically adept, and I still can't get around 2FA requirements for everything.
So like, if that stuff is bought with "disposable income", is rent?
