Humm, I have a feeling part of the story is missing here, even though i can relate as i was myself a minimum wage worker in the hospitality industry in Britain for a while (back in 1999, my annual wage was something like 8500 pounds). Long odd hours, not so pleasant interfacing with customers, 7 people sharing a flat in London, so broke at the end of the month that walking from Mayfair to Canada Water was reality bec…
You didn't have kids though. That changes everything. I do agree from experience as well, a single healthy young person in good spirits can make it work. Knowing you're responsible for a little baby that can die or be hurt for life changes the stakes.
I assume there wasn't an extended family that was near enough, kind enough, or able enough to take them in for a few years. That kind of support is indispensable when you have kids and don't have a lot of resources. Generally material poverty is experience very differently when there is also social relationship wealth. But nowadays in US/UK, there is a lot of social relationship poverty. When combined with material wealth it is not great, but combine social poverty with material poverty, and you have a big problem.