If you have a safe place to sleep, reasonable health and food in the fridge, you're probably living with surplus. You have enough breathing room to devote an hour to watching TV, or having an argument you don't need to have, or simply messing around online. You have time and leverage and technology and trust.
For many people, this surplus is bigger than any human on Earth could have imagined just a hundred years ago.
What will you spend it on?
If you're not drowning, you're a lifeguard.