I know nothing about waxing cars but don’t you actually need the hose? Wouldn’t the actual solution be to get to Home Depot without the EZ pass, or buying it instead of borrowing it. This is to say that you should do the necessary steps but no more?
I think the idea in the analogy would be to just use a bucket and the broken hose as a good enough solution... Like find alternatives if the right path ends in a yak
But taking his example at face value -- I mean, you are going to have to return that pillow someday, and to return the pillow you are going to have to go to the zoo and shave the yak. I mean, yeah, today day maybe you can just deal with the old broken hose. But if you'd shaved the yak last weekend instead of whatever other thing you were doing, you could have bought a new hose this weekend. The longer you wait to do what you need to do anyway, the more hassle you end up dealing with.