I buy retail hot coffee whenever I feel like it, which is more than a couple times per year, but nowhere near every day. Coffee is not a subscription, unless you buy one of those bottomless mugs or something. This is why I think the people who give financial advice to give up Starbucks and become a millionaire are missing the point, and I am not one of them.

You don't have to agree with the equivalency I'm drawing. I'm making the point that if someone shies away from $5/month, and it's not clear to you why, maybe they implicitly recognize the value of a subscription in the same way I do. Describing a different perspective is not saying I am right and you are wrong.