Lakers' Jesse Buss: I'd NEVER Buy $38k Kobe Hat ... (Even Though I'm Loaded)

There's one person we know who won't be buying the ridiculous $38k Kobe Bryant hat the Lakers are selling ... and it's one guy who could actually afford it ... Lakers co-owner Jesse Buss.

We got Buss out at LAX and asked him about the limited edition hat -- a $38k snakeskin joint with solid gold lettering -- the Lakers are selling to commemorate the Mamba hanging it up.

Question is ... who's gonna buy this thing?

Check out the clip ... Jesse -- who we're guessing could get a hook up -- says it's not gonna be him 'cause as he puts it, "My hats cost $20."

Oh BTW ... if the $38k hat is too rich for your blood don't worry .... there's a $24k one up for sale too.

#FrugalLiving.