We can’t have a character unable to afford all of the frivolous magic shit. That would create too much character tension and motivation. Who wants to read a story about being poor in a fantasy setting?

The best and most direct counterpoint to Harry Potter on this issue is Terry Pratchett's Tiffany Aching books. It is the chad working-class part-time witch, part-time cheese maker / shepherdess / midwife / village doctor / village psychiatrist, versus the virgin trust-fund kid whose sole ambition is to be a wizard :top-cop:.