The point of the "lunch discourse" isn't that people shouldn't save money or that they should be entitled to gourmet meals every day.
It's that in no civilization in human history have a house, a family, and a reasonably palatable and nutritious lunch been aspirational luxury goods. They're the basic things that were a given for all but the absolute lowest strata of society.
It may not be a literal biological necessity for any specific individual, but civilizations that couldn't pull that off didn't survive.