You're exaggerating a bit. No one in the developed world would go bankrupt or starve if they happened to lose $50 or $100. It could cause some inconvenience but everyone could manage. That's probably also true even for poor countries.

Average people tend to spend beyond their means (i.e. getting expensive cars on finance, buying low-nutrition junk food, paying for subscriptions they don't use etc), but that's a different story.

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Although it sounds very strange to you, there are some people who live in my country and it costs them something to get the money, and 100 or even 500 usd if you can raise them a lot, at least so that they can buy their food supplies and basic things. Of course, not all of them are in the same conditions, but the vast majority are, due to the high inflation, to tell you that some people in their base salary is less than 10 USD, especially those who are professionals, the teachers are demanding that they raise their salaries. and apparently the government will not raise anything, in third world countries the problems can be very precarious, sometimes the countries in Europe and the USA are very privileged.