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The smashed avo is symbolic rather than economic (and a rather tired cliche, I have to confess). The point is, what are you spending your disposable income on? And if you are eating out when you could be eating in, and still struggling with the non-discretionary elements of your cost of living like tolls, insurance and petrol, the banks may rack that up alongside visits to the movies, TV streaming subscriptions, disposable fashion, visits to Dan Murphy’s and your new golf clubs – the things that make life worth living – as signs that you can’t manage your finances and are then more likely to default on your mortgage than thriftier borrowers.
I’m not saying they’re right, but I can see their narrow logic.