Genuinely curious, what would you cite as evidence of "zero political agency"? If it's the de facto sense of it being prohibitively hard for one person/group than another as you allude to in your previous posts, this is a very different thing than zero agency. Again, I think it's dangerous to conflate hard with impossible.
The $400 buffer hurdle is a loaded topic that would be difficult to get into without being drawn into more walls of text, but I think this is often an artifact of poorly aligned priorities and choices. I actually tend think the counter is true; lower economic strata tend to have more free time than higher strata, etc. But I'm afraid this would turn into a long digression to get into.
I can agree that a government deserves it's constituency. However, I think can be true without negating the previous statement about a populace deserving it's government as well. It's hard to be both an advocate for empowerment while also absolving oneself of responsibility.
I do appreciate you taking the time to elaborate, but a common thread seems to be an almost infantilizing of a constituency. While I can empathize with the marginalized, I don't think it does any pragmatic good if it just stops at hand-wringing. If we resign ourselves to a lack of agency, ironically it's a good way to guarantee not to get it. It's a personal viewpoint, but I think those who will take ownership of these problems are in a much better position to affect change than those who constantly say it's out of their control.