Yes - a 'car trip' to a crappy dive like Myrtle Beach and it's shady Motels as one's only, tiny respite from a life of slinging coffee at the Waffle House, in the balance of financial emergencies from something as trivial as some basic dental work - absolutely implies 'adversity'.

In case you're having trouble contextualizing: a family in that situation is an inch from ruin. They will never have anything, and odds are, they'll hit a bump now and again and it will get messy.

Those kinds of families are always coming in and out of financial difficulty.