Very good points that I have contemplated often. Usually while collecting faucets wondering if it's worth the effort.

In the end I stopped looking at "unnecessary" purchases as a waste of my Crypto earning time. Like you I separate my fiat earned from my job, and my Crypto earned from my time.

Yes $3 earned from noise.cash could be spent on one cup of coffee. But it's not, that BCH is safe in a wallet and it has a lot more potential than the fiat $3