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I don't want to assume your economic situation, but it seems like limiting in this way is only possible from a privileged position.
I'm absolutely not in a financially privileged position, income wise. I'd say I'm in the bottom 30th percentile. Far less than median income.
My privilege is living in an affluent western country with affordable healthcare. And only if you're outside of the western world could I understand having to make different choices.
And by the way... Shouldn't especially affluent people be making these choices? Why the hell would we force homeless people to only buy linen. It's the people who make the most who have the highest impact.