Set aside the theoretical issues related to extreme observations, I would not advise ttest anyway, as you seem to have 3 groups of observations. Hence, you would be probably better with ANOVA and subsequent multiple comparisons.
Moreover, as far as your zero-spenders are concerned, I would try to understand how many of them are systematic zeros (that is, people who cannot afford to spend money because they cannot rely upon a disposable income) vs sample zeros (that is, people who are not interested in buying the goods considered in your research).