Accusing someone of being poor because they waste their money on takeout is a moral judgement, not an audit.

People who say this about other people have no idea what they're talking about. How could they know anyone else's eating habits? Or the demands on their time and attention to shop, cook, and clean.

The craziest part of this accusation is that the people who make the most money eat takeout all the time because they value their time. Alex Hermozi ate Chipotle sandwiches 500 times in a row because he made more selling than it would have taken to make his own sandwich.