Micheal Pollan makes the point in “The Omnivore’s Dilemma” that Americans spend a smaller (maybe the smallest, can’t quite remember) percentage of their income on food than most (or any, if smallest) other industrialized country. Conversely, we’re also the fattest. Makes sense in a way, doesn’t it? Furthermore, Pollan makes the point that “good” food isn’t overpriced,e.g., the “Whole Wallet” jokes, but rather that industrialized, loaded with hormones, food is underpriced relative to its societal, personal, etc. cost. So, eating out and paying for good food isn’t such a riduclous idea.
BTW, point 1 could be written more clearly – your caveat about good cooks isn’t easy to understand and might be better understood if the group to which you’re applying point 1 is explictly identified.