> I made it a rule not to work anywhere farther than half an hour away. And that is the absolute maximum which was necessary when I lived rural area.
To me it sounds like you're saying, "why doesn't she live closer to her workplace?" which carries with it a kind of subtext of blame. Reading the article a few possible explanations for her choice come to mind.
The author mentions she lives with her boyfriend's parents. Probably this is the cheapest possible living arrangement available to her. Living closer would probably require her to live independently, which tends to be more expensive. This may be compounded by more expensive rents closer to her place of work, which turns out to be a common problem for the working poor and an age-old cruelty of capitalism: Poor people have higher transportation costs -- both in terms of time and money -- because they can only afford to live far from urban centers where their jobs usually are. It's just one of the many ways the old saying "it's expensive to be poor" turns out to be objectively, measurably true.
It's also totally possible that none of the above applies and the author is not being smart with her money, or may have a drug habit, or may be "complacent". But we certainly shouldn't assume these things about her, because we just don't know her circumstances.
Apologies if this comes across as pedantic, but I think the mistake you may be making is projecting your narrow personal experience of your mother's problems onto a complete stranger, whose circumstances seem quite different than your mother's based on the article (the admittedly limited information we have about the author's situation).
It's heartening to see that you recognize your perspective may stem from your own problems with empathy. The author David Foster Wallace has written much (an understatement) about empathy and awareness, but probably the best short work of his about these subjects is this speech. I still find it to be a really good reminder of all kinds of things:
https://www.youtube.com/watch?v=8CrOL-ydFMI