The only problem is, your basic needs expenses exceeds the amount of your income, that’s why it’s impossible to save when you even find it hard to make ends meet. But if you are wise enough, regardless if you have multiple flows of income or not, saving for emergency funds is a must. That prevents unexpected borrowing in the future, because you have set aside some funds already when financial crisis comes.
I also quite agree with what you said, especially regarding the emergency fund, the purpose of which is to prevent unexpected debt in the future. Because debt with interest often creates more stress and can also create difficulties for some people whose income is insufficient or only just enough to pay off the debt and cover their own living expenses. So while some people still struggle to build up their savings, at least they aren't lazy about working and are constantly looking for smart ways to generate more income for themselves.
In order to avoid any unnecessary debt that don't worth the stress, it is good for every person to try as much as possible to have an emergency fund because there will always been time when we might need urgent funds to solve unexpected problems. Apart from the investments we may have, activating other profitable investments should be something we ought to make move for since creating opportunities for money to come in can be done through investment. Savings too van help us stay away from debts although their are some business loans we might need to expand a business that will exceed what we have saved for.