If you are low on money, make you own meals. Far cheaper and healthier too. So not go out, order or whatever.
You say this as if the stress of working our collective asses off for far too many hours leaves us with the time or willpower to spend the time to both go shopping and cook whatever it is we just bought.
I am extremely lazy so I go grocery shopping once every few months (canned food and the freezer help stretch this time, but quite a bit lasts a while in a regular fridge, like eggs and cheese) and my meals are incredibly simple (sandwiches, salads, things thrown into a giant pot, rice & toppings, etc).
Well either you spend time doing something yourself, getting a better result for less money… Or you pay for it.
Buying junk food all the time is not somehow good. Perhaps you are not completely responsible for being in that situation. It is still a bad idea to eat such trash, essentially robbing your future self of a healthy body. If that is not worth 30 minutes per day, then so be it.
There are very few things I can’t make with an air fryer(mini oven) and hot plate.
As an ex-professional chef, I would agree that almost anything can be made with those devices. If it can be made well is another story.