> You don’t have time to do those things if you are poor and working 2-3 jobs

I know multiple folks who did this. Poor people aren’t mentally deficient. (Often they’re sturdier than those of us who grew up comfortably enough.)

> unexpected expenses and cost of living increases destroy your budget a lot more than McDonald’s

This is correct. But it’s true for most Americans when we consider medical debt.

Budgeting and analyzing spending and risk is still sensible.