1 in 10 americans lives in poverty, which is 25k/year or less for a family of four. Your position is that those are just the stupidest, least capable 10% of people and they deserve to be impoverished? If you work full time and you don't make a liveable income, how are you supposed to "manage your finances" better? If you have a disability and you can't work full time, does that make you stupid for not being able to "earn a living"?

The "So are you saying <absurd vilifying caricature of statement>" pattern is a sure sign of someone not worth the time to engage.