Personally, I think your points highlight some important aspects of responsible financial management for both economic stability and personal financial well-being. Some people should really consider managing their spending, keeping expenses below incomes, and creating a chart to help them track their financial criteria. I also fully understand that the importance of budgeting in a country can occasionally be somewhat tricky, but I still think that having good budget making skills is sometimes crucial for companies and individuals to manage their efficiently.
It's not easy. If it was so easy, we wouldn't have this many poor people around the world. I see a lot of people who blame the homeless for being homeless, like most famously Michael Jordan once said "if he can say "do you have change" then he can say "would you like fries with that sir" too", meaning there are people who blame the poor for being poor.
But there are two things, first one is the fact that yes while there might be some people who earn enough but spend more but there are also people who do not earn enough as well, secondly we have people with issues, could be healthy or psychological, and unless we help them out, then they can't go get a job, literally for medical reasons. So realize, some people can't just spend less, and be fine, some are already barely surviving.