there is a cliff, such that a the 2 adults, 2 children on 22,500 gross income may have access to $48,700 after refundable tax credits, SNAP, housing, etc [linked in other comment].

However if that same household earns just $5,600 more annually nearly all of those transfers cease to be available and the total income accessible becomes $36,400. It really is a case where making more is too expensive. That's less than 110 extra pre-tax dollar per week across both adult earners, and so just about 1.35 an hour raise for each adult, or 2.70 for either one of them is a real loss of over 12,000 dollars. It takes nearly $5 an hour raise for BOTH adults at the 22,500 to become even minimally better than the loss of those transfers.

There is a significant number of households in the second quartile (at or slightly above 36.4K) than in the bottom quartile, and yet those are living on less than what has been defined as the 'survivable wage' by the 48.7K number

So yes, the "True Rate of Barely Getting By" is even higher than the number of households earning 26K would reveal.

And much of that assistance is not a guarantee: they'll have to jump through a number of hoops to get it, and making a single mistake on a single form, or having one non-liquid asset that's too valuable on paper, may mean they get disqualified. At best that means they need to start the process again; at worst it's all over and they cannot be considered, at least for a certain time period.

It is, simultaneously, important to know about that cliff, because it's real and it causes untold hardship, and really, really dangerous to view poverty as a road to "easy money" in the way your first sentence (likely inadvertently) implies.