We have different circumstances and habits but I've never used the drive-through at a fast food place for years (maybe I did when the walk-in was closed after hours). I also rarely eat out, even if out for a couple of hours either side of lunch time, so I often find myself having lunch at home way after 2p.
I used to see people packing their lunch to school and work when I was much younger and didn't really think about it. Then one day, I saw some tradesman stop in at another fast food chain probably after hours to grab a pre dinner snack. Cost them well over $10 each. I hope it was a rare occasion (such as getting time and a half or double time after a long day) but that kind of spending if regular and habitual starts to lighten your pocketbook.
A few other anecdotes(?).
I heard someone say a few years ago that the younger office workers at his place of employment are in the habit of buying coffee a couple of times a day, and then they wonder why they don;t have much left at the end of the week.
The other was that a half century ago, the working class in the U.S. (and by extension, I'd say Canada) rarely ate out, and fast food was a treat. Then the cheap restaurants came and got them hooked on eating out, quite regularly Come the crash of '08 (which didn't impact here as much), most of those restaurant chains collapsed. I guess the fast food companies are cheaper hence they weren't impacted to the point of collapse.