one day you're gonna end up learning the hard way that money is precious, and it doesn't grow on trees. there's gonna be a day when you wish you had that $550 dollars that you just uselessly threw away.
honestly though, you're right. it's not my money, it's not my life, why should i give a ****? go throw your money in a pond and watch it fall apart for all i care. it'll be more interesting than the 6fps that you gained in games, or the 100 points you'll gain in 3dmark by buying that card.