Both this and OP depend crucially on the hidden assumption that you have enough money to buy new shoes or a jacket on a whim. Depending on where you are, what kind of store it is, and how much money you have, it may be practically impossible to carry this out.
Of course, having a reasonable amount of cash on hand to enable immediate, necessary purchases is also a mark of adulthood (it means you have a decent job), so the story still works.
Its more referring to the concept of realizing there's a solution to the problem and being willing to take it. When I was younger, there was a notable amount of times where I felt cold but didn't bother getting a jacket. Of course, grabbing a jacket from a store may not be an option for a person, but I think you're generalizing every part of what they are saying too much rather than the point they're making.
Or they suddenly realized that the immediate need for the product tipped over the scale for a purchasing decision that normally would have waited X amount of time.
It's not like it's an item bought for no reason at all. (Not to mention in both instances they could go and return the item the next day)
I think the original point of the article is that plenty of adults can afford many things, yet they unnecessarily restrict themselves and inflict suffering on themselves.
I know people who are not going to break their budget by spending $10 on Uber when they are late, yet they would rather wait for a bus in the freezing cold or rain, waste time and be late.
There are also some people who don't get that Uber solves an inconveniencing problem.
Like, I have a friend who was finally convinced to take an Uber. She'd ask the driver to drop her off at the bus stop she'd usually get off at, and walk the rest of the way.
Maybe she was distrustful and did not want the driver to learn her precise home address.
It is perhaps a bit paranoid, but when trying an unknown and unusual service for the first time, not over the top, especially if she is a girl living alone.
For me, it was contactless payments. For the longest time I didn't want a contactless card, a little bit out of fear of someone being able to steal just by being close enough but mainly out of "it's such a minor convenience it's not worth asking the bank for the card". Several years go by and the non-contactless card expired, and the new one was contactless, but I still wouldn't use it.
Then one day I did, and holy shit it's the best thing ever, I'm never using cash again (this was before covid hit which has made contactless mandatory now).
I'm sure there are a few other things in my life like this, i.e. things that I'm aware of, but making stupid choices about, I'm just not aware that it's a stupid choice.
Don‘t know, it‘s just a delay, just cold and maybe just water and some wasted time. I try hard not to get into such a lifestyle. Of coure, I would walk if the distance is reasonable.
Of course, having a reasonable amount of cash on hand to enable immediate, necessary purchases is also a mark of adulthood (it means you have a decent job), so the story still works.