I get that. But I stand by the fact that the majority of those struggling brought it on themselves. They spend every dollar and more. There have never been more jobs available that allow flexibility. People can pick up extra income working weekends or side gigs, but they would rather go out with friends or spend time at their hobby. Work/life balance has become an excuse for sticking a hand out. If you didn't have several months of savings for times like these, then you were spending more than you should. Where there is a will, there is a way. It does not mean that it wont be hard, but there are plenty of folks that work 80+ hours a week to have the things they want. There are areas of the country that make living much, much more affordable. Community college and trade schools often make far more sense than going to a large university where tuitions and rents are high. We all have a choice on how to make ends meet. Not everyone is willing to sacrifice the "things" in life that kill our finances. The best things in life are not always things. We got by on Ramen noodles and grilled cheese sandwiches for several years and our kids thrived. We drove vehicles with over 100k miles on them and did not care what the neighbors thought. We learned carpentry skills and did our own remodels etc. All the while, we put away 5$, $10, whatever we could each week. That become a very large number over 30+ years. Our current society is one of instant gratification and it comes with a hefty price.