"Collapsing into the downward spiral of poverty and homelessness" is not an appropriate outcome for not being frugal, and a system where this is the case is pro

"Collapsing into the downward spiral of poverty and homelessness" is not an appropriate outcome for not being frugal, and a system where this is the case is probably not very good. Again, circling back to the idea that focusing on frugality as a solution to poverty ignores the larger systemic problems actually keeping poor people poor.