I totally get that! Gonna do that with my Covid19 funny money to come from the USguvmit.I am feeling the itch but I'm spending money with local stores (bought my daughter a bath toy from a local kid's store, little stuffed bunny from a local artisan who normally sells on Etsy, a sweater from a local clothing store) and also getting carry out from local restaurants. I feel it's money well spent, no guilt attached because I'm supporting people's livelihoods, and I get a little something fun out of it!
As to the one scarf I have purchased, $$$ went to a sweet seller-cum-friend in France who can also use the money as she shelters with her elderly parents in the countryside.