Top comment is kind of true, the one you are replying to I don't really agree as well.
Top comment for me is saying about that it is putting blame on poor people for being poor like "you want to afford apartment, just stop drinking Starbucks lattes every day".
We know world does not work like that and a lot of dirt poor immigrants are not hitting jackpot or getting super rich by being frugal. Lots of people are not getting into being financially independent by simply being frugal. They mostly get by and that is it, some get better of course.
On the other hand the comment you reply to is advocating that, well people have shitty jobs, they go back home and they don't have enough energy to do anything with their life but just smoke/watch tv, whatever. Which is advocating for wrong things.
I totally understand if someone tried at lest something to make his life better, quitting smoking, not drinking lattes every day, even if he failed we cannot say he is just a lazy bum - at least there was some effort.
Who I don't sympathize with are people who will nag day in and out how bad their life is, but they would blame whatever is out there and who never would attempt to do something but would just indulge in smokink/drinking/tv series.