It is quite common that when people are facing desperate times they try all kind of measures that even if they know they make no sense in their desperation they do not see any other way to get additional money.
It is because of this we need to do what we can not to get into a situation like that, so it is important to have a cash reserve of several months in case of a family emergency, losing our jobs, we have to pay an expensive car repair or the countless scenarios which make us to spend money that was not in our budget at the time.
You always need to have reserves, this will help protect yourself from rash and forced decisions. If you have to live in rented housing and you are left without a job and there is no money set asided, then you can say, that you are falling into a trap. Then it will be necessary to agree to any job just to earn something, and if there are savings, then there will be time to correct the current situation, then there will be fewer mistakes and it will be calmer.
What happens is that a lot of people regardless of how much money they earn live paycheck to paycheck, they indebt themselves for stuff they do not even need and they end up wasting a great deal of their money, so when they are hit with adversity they have no way to deal with it and they fall in desperate times.
However this can be easily avoided, if a person saved 20% of their paycheck each month in just 15 months they would have saved the equivalent of 3 months of their salary, which is more than enough to overcome some of the most common negative scenarios that a person will face during their life.