Financial health is a lot like general physical health, it's truly simple. Don't spend more than you make, don't eat more than you need. They're also difficult, as evidenced by how many fail.

There are deep systemic issues that stack the deck against the working class financially. There are also plenty of people that make very detrimental decisions when it comes to money and dig themselves into a deep hole, even without any obvious cause.

Both are problems that need to be addressed. The presence of one doesn't invalidate the other, and the solving of one doesn't solve the other. Normally these discussions are people talking past each other as they haggle over the proportion of blame to assign to the individual or system. I say address both simultaneously and let both sides think they're right.