Of course I can but I just don't want to. This isn't about being cheap or lazy (although I'm guilty of both to varying degrees). The biggest benefit of having a catered office is the lack of having to make a decision about what to eat. I'll just eat what they're serving that day.
I'm a big believer in decision fatigue [1]. Don't make me make decisions about things I don't care about and what I have for lunch is one of those. For years I worked in offices where I either had to bring in my own lunch (never gonna happen) or I had to go out and buy it. I'm fine with the cost of it. I'm not fine with choosing where to go and what to order when I get there. I'll end up finding something I like and just getting it every day until I get sick of it because that's let cognitive load than having something different every day.
That's why I like a catered office.
> Or you could move to a cheaper location and have a nice home office.
I live in NYC because I want to live in NYC. I chose the job because it's in NYC where I wanted to live. On a side note, I think this is the fundamental difference with the Bay Area. hardly anyone wants to live in the Bay Area. They want to work for [Google|FB|Apple|...] and to do that they need to live in the Bay Area. Most other places people have decided they want to live there and then look for work options.
So yeah, I could buy a big house Georgia but... why would I want to?
[1]: https://www.nytimes.com/2011/08/21/magazine/do-you-suffer-fr...