Then again, not having resources or entertainment while having a soul-crushing boring job is a massive mental health risk.

Ignoring that is of course a nasty bias. Much like ignoring that you do sometimes have to buy clothing or shoes, you probably do have to spend on something to unwind. (What it is depends on the person.)

Likewise, ignoring cost of transportation is a chief sin of those analyses, even bus tickets are not free, and bicycles are not exactly fast.