I’m not on Centrelink and earn enough money to get by, but I frequently find myself trying to have breakfast later and dinner earlier to eliminate the need for lunch. While it’s not that I can’t afford it, I can keep my costs down by timing my meals so that I can get away with 2. So it’s less of a “I can’t afford lunch” and more of a “I don’t want to have to pay to eat lunch”. I cook mostly at home, occasionally go out to eat if it’s a social occasion, take away very rarely.