Personally I think it's because people have these standard narratives floating around in their mind, and pattern-match them reflexively even when it doesn't make sense.
For some people, the only lens they have is a 1-D spectrum of perceived societal power. Blame can only flow up the spectrum and victimhood can only flow downward.
As soon as anything violates this idea of how justice, blame, and victimhood should work, they jump in to defend the side they think should be the victim in their worldview. They inject unrelated or assumed narratives to try to load up the victimhood of the lower side (living wage) while trying to downplay any victimhood on the upper side of their 1-D worldview (insurance can pay for it, you have enough money to replace things). By rewriting the narrative with something new that they injected , their worldview is protected and they can continue to feel correct.
In the teacher example above, this has a sad side effect where the problem students now know they have advocates to protect them despite their bad behavior. Some of them are becoming very good at reaching out to those advocates to share a sob story and replace their narrative with one of being the victim on social media. It’s creating a scary environment when kids know that not only are there no consequences for bad behavior, they know they can find someone to help defend them for it.
I went on a group hike once and somehow ended up telling people that my house had been broken into. It was a bummer. Actual monetary damages about 10k, but so many little gifts and heirlooms that were irreplaceable. It's hard to express the sense of violation. They also stole some of my wife's underwear which was just gross.
Someone replied with "well maybe if they were paid a living wage they wouldn't have to steal". Because obviously stealing my wife's underwear is much like stealing a loaf of bread to survive ala les miserables.
It's like all nuance has been lost. Some people think that if you believe that the housing situation isn't great then you just have to be pro anything that calls itself a solution.
I hope they eventually figure out that's not necessary.