I don't want to get dressed, drive to Panera, and talk to someone before I can have coffee (not sure if I would be safe driving). Maybe it would be worth it if there was one right next to my work, but I would still make coffee at home anyway.
I would rather spend my nine bucks on a bag of beans at Costco, which lasts almost a month. I start the coffee pot and go brush my teeth and it's done before I get back. I drink 2 cups before leaving the house and fill 2 travel mugs to bring with me.