Earlier quoted context omitted.
There are shit loads more people in a position where they don't have the money. You probably just encounter more of the type who are frivolous because of where you live and who you interact with. Step outside your neighborhood, your county your state.
It is more my experience working with Housing Authorities in 5 different states, and the stories from front line Social Workers that see some of the abuses of these systems first hand
"if you look at their daily life they eat out often, stop a Starbucks routinely, have the latest iPhone, have subscriptions to Netflix, Amazon, Hulu, and a 100 Channel TV Line up, have massive credit card debit from buying things they did not need, etc etc etc"
Show me your bootstraps folks I know you all got em. Put down your iphones and pull up your pants. Listen up I'm here to condescend.