Only the more experienced putting together an expensive package for the apparently, far less experienced.

I'm sure the manager or owner never complained at the purchase. It probably was the max that the customer was buying and could buy.
Some people, and they'll never say, are just poor financial managers, down to their last $200.

And poor experts have to live life with non athletes, who have a lot of money, for the very sport, you're good in, but have far less money available.

Ah, the pain and arrows of life itself.