re: Isn't Jimmy Johns / Ingas a ripoff?

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You could ask the same thing about going any lower tier restaurant

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I guess it depends on how you stock your kitchen. Making pizza or burgers or poboys or Chinese food takes far more effort and ingredients I don't have on hand at any given time.

Fwiw, I see the appeal of sandwiches. Not as bad for you as the above mentioned stuff. And some people just really love sandwiches.
I would definitely not be surprised to find my upbringing has something to do with it. Not sure why, as it wasn't a money thing, but sandwiches were lunch every single day.. And my parents would even go so far as to pack an ice chest of sandwiches for times you'd normally stop and get food.. On the road for vacation, for the day at the zoo, etc.

I could easily live without another cold cut type of sandwich forever