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You're raising an an interesting point: in the US, it's possible to be near poor without really feeling it... until what you describe ends up happening.

Yeah, this is a great article covering that topic: https://www.theatlantic.com/magazine/archive/2016/05/my-secr...

It resonated me with a lot.

"Collapsing into the downward spiral of poverty and homelessness" is not an appropriate outcome for not being frugal, and a system where this is the case is probably not very good. Again, circling back to the idea that focusing on frugality as a solution to poverty ignores the larger systemic problems actually keeping poor people poor.