Well...since you asked...
You have several incomplete sentences crammed together here.
Perhaps a better way to have written it would be:
"What kind of an adult would drop $2,000 on one jacket? Unless that adult is a rich/stupid as motherfucker, it would be crazy to spend that much on one jacket."
(not that I necessarily agree with your idea, just suggesting a better way of expressing it.)
Then,
Again, you don't use the proper article with the noun following...plus, your ending sentence is fragmented and disjointed. A better way would have been:
"With $2000,
Aresponsible and frugal adult would buy layers of clothes and one jacket that can be used in multiple ways."
However, once again, I don't necessarily agree 100% with your idea; I'm merely pointing out the errors in your writing...
BUT, remember, you asked.
Myself, I have no problem with a person spending $2000 on a winter jacket. If they can afford such a thing, and if it gives them the level of comfort and fashion they want...then why not?
Myself, I avoid buying anything
Made in China whenever possible, so everything I buy tends to be a bit more expensive than it could be if I didn't place that restriction on myself.
Carhartt products are, for the most part,
Made in the USA. I believe I'm worth the extra cost of such products, and I'd FAR rather spend my money, knowing it's going to American workers, on products
Made in the USA than on products made in China.