One thing missing but important to understand is the energy embodied in buying 'stuff'. At a very rough approximation, the cost of stuff, especially consumer goods manufactured cheaply, is quite a high percentage energy.

When you look at people's energy usage, quite a lot of it ends up being the embodied energy in the stuff they buy. For quite a lot of people, it's probably the largest category of energy consumption. I once had a very rough go at calculating this here: https://www.robinlinacre.com/energy_usage/