What would be your advice for such if they were to be your friends as a caring friend who want them to not get financially drained in the process?
You've been given all kind of advice in here. Depending on the strength of the friendship and historical context of the relationship, you can try to help them for a while. They probably deserve that. If it does not work, give up and move away. Get better friends, they are not worth your time.
Now, if they still don't listen, they can't blame me because I really did my part as a friend. It's that simple for me, of course, so they can see that the money wasn't just found;
they still worked hard for it.
Even if they would blame you, so what? Don't waste your time with stupid people like that. Life is too short for you to have bad friends.