There are three things that lack of a relevant amount of money makes impossible:
1. The look that can only be achieved from the best bespoke clothing and shoe making. Some aspects are subtle, some are not, but in either case, there is a certain amount that you have to spend per unit of clothing before you get that.
2. Designer fashion when it is in fashion. Not all designers are expensive, but some are and it is difficult to wear their stuff when its out unless you have the cash.
3. The convenience of buying whatever you want when you want it.
That being said, I think it is true that many of us waste a lot of money on sartorial dead ends. Here's an interesting thread that A. started in the S&D forum
. In fact, I think I will start the same thread on this side of the fence inspired by A's.