Couldn't you just steal something nice from a bakery? I don't think there are any rules against that!

But really, if you can't spend money or cook, then doesn't that pretty much preclude dessert of any kind? I am not clear on these rules. In my family I think you'd have to go back four generations to find actual observant Jews. They were the ones who (temporarily?) disowned my great-grandmother for marrying a non-Orthodox Jew.