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Depends where you're from. I'm from Australia and lived through a period of extreme water shortages called the Millennium Drought[0]. During it, the water catchments for most of my state were alarmingly close to dry. We started collecting water from showers and using it on the garden, the government sent out little five-minute hourglasses with suction cups for everyone to put in their shower, and several families in my local area had to have tankers of water brought in to refill their rainwater tanks.

My uncle's family kept visiting from America and taking 20 minute showers, which would have been totally fine if they were still in Vermont but used an incredibly high amount of water. He eventually installed a shower timer so his tank wouldn't run dry.

In such conditions, water costs more than mere money. Yes, you can probably afford to shower twice a day, but that would require you to bring in a tanker of water from an already drought-stricken reservoir. Water takes on a moral cost as well as a financial one. There's a famous passage from Dune: "One date palm requires forty liters of water a day. A man requires but eight liters. A palm, then, equals five men." Australia is not quite Arrakis, but in a water shortage extra showers start to feel like an Arrakeen date palm.

[0] See this huge PDF for exactly what that was and how we plan to manage it if it happens again: https://www.water.vic.gov.au/__data/assets/pdf_file/0021/671...