The system is a trap to keep people poor. A lot of people make the wrong decisions that keep them there. Can we not talk about that? It doesn't belittle the subset of folks that it doesn't apply to.
I grew up this way and saw it first-hand. A dead-beat step dad who didn't work for literally _years_. A mother with the only income of less than $40k/year for 3.
Cigarettes and beer every night. Fancy, financed cars with ridiculous interest rates because their credit scores were shit. Rent-a-center furniture payments. The newest phones and other bullshit that they couldn't truly afford.
So many people in our circles lived this way or worse. And I'm not trying to come forward and say "I got out of it so everyone can!" - just that people have a small amount of control and they regularly make the wrong decisions.