[snowwrestler]

There's a net benefit to eating out every night (it's tasty and we don't have to do dishes), but my wife and I still consider the costs.

Just because something produces a net benefit does not mean that there are infinite funds to allocate toward it.

[anigbrowl]

Those are benefits. A net benefit means it's more economically efficient than the alternative - which might be true for you, but isn't necessarily so.