I think your just have to draw the line for yourself where you feel comfortable. I get anxious spending more than a few hundred bucks on a game. My wife and I agreed that I could get my first DMD game this coming year with some of my bonus money from work, and the thought of spending that much on a game already has me losing sleep lol. When I look at some of the collections on here my mind is blown at how people can afford this stuff.
Got a bit off topic there, but my point is that you can rationalize spending money on ANYTHING (not just pinball) that could "go to a better cause" like eating out at a nice restaurant, a good bottle of booze, an iPad, a new car, etc. You have to do stuff for yourself that makes you happy!