I used to get the rage with my DM who made 'helpful' comments like You really ought to have some savings you know! You ought to put something aside every month for a 'rainy day'.
They were talking on Jeremy Vine's Radio 2 show last week about people in a deprived community in Rotherham, who had to have their £150 fuel 'rebate' paid via the council tax system to be sent out as a cheque, as they didn't have direct debits set up.
In fact, DDs are one of those things that sound like an absolute no-brainer if your bank account is always well in the black, but for many who might not be able to risk a DD going out two days before pay day and need a little more flexibility to pay manually, not so much. See also privileged people/workplaces who cannot possibly understand why you might struggle to pay a work expense upfront, because 'the company will pay you back every penny'.... yes, maybe several weeks later.
Anyway, as well as having to wait a lot longer for the cheques to be sent out than those with DDs had to wait to get theirs, they were then faced with having to wait several days for the cheque to clear, whilst they needed to buy food and other essentials NOW. This meant that many of them were driven to taking their cheques to a pawnbroker/cheque-cashing place, where they give you 85% of the cheque value instantly in cash, but take the other 15% as their commission.
They spoke to some idiot who (if I may coin a new word) Marieantoinettesplained that they would be much better advised to 'just' wait a few extra days, because "that way, they would benefit from the full amount". Like they were savages clamouring after a new handbag or a night at the pub rather than desperate not to see their kids go hungry or sit in the dark.
So that's what I would agree is one of the worst things about having no money: privileged people just not having (or caring to have) the vaguest understanding about what it's like and/or assuming you MUST be stupid or reckless with your money. In fact, whilst it is true that a lot of people (including some better off ones who manage to conceal it more easily) do struggle with budgeting and can greatly benefit from courses in it, the assumption is that EVERYBODY with too little money lacks any personal agency. Certainly, 'nobody intelligent would be struggling'. I'm rather guessing that that 'feed people for 30p' MP probably falls into this category. Why just be poor when you can be poor AND patronised, eh?
It reminds me of that episode of The Simpsons when, following a misunderstanding, Homer and Marge are sent on a compulsory 'parenting class' which included such 'gems' (with clear illustrations) as 'do NOT just throw your garbage out of the window - take it out and put it in the garbage can'.