Those two things are separated only by time, which is why they feel like different categories. At the counter you experience agency and pleasure, and three weeks later you experience a kind of weather you did not cause, as though the empty account arrived on its own. There is one event with a delay in it.

For a fortnight, say out loud what each purchase is costing you later rather than what it costs now. The coffee is a third of a tank. If you can hold both halves in your head at once, most of the problem solves itself.