Yeah, I don't know your financial situation and I wasn't directing my post at any particular person or personal situation. But what I had in mind is people making $80,000k+ per year over a period of time who are living paycheck to paycheck. There's no excuse for that.
If there's private school and one or two teenage drivers, $80,000 doesn't get as far as you think. Your point is well taken and valid, but cost of living is a real thing.