Saying it's different is not a criticism, it is different to have no buffer, no choices, how could it not be? Why take someone pointing that out as criticism? Why does someone feel invalidated when that's talked about?
That poster may have £71 to pay a £183 bill, but they have the choice to pay it on Friday (poster said they have £71 until Friday therefore assuming payment of some description due Friday) or to use their savings to pay it. That's 5 days late (which is usually before companies get in touch) or dipping in to savings to pay it and ease the worry about it going unpaid. If you're not getting more money on Friday, or you don't have savings then you don't have that choice. You can choose not to use your savings, and that's a valid choice, but if you don't have the savings in the first place it's not a choice at all.
When we talk about silencing people, this is part of the issue, silencing people who point out that it's different to have savings and choices and choose not to use them, for whatever reason, than to have no choice because the savings aren't there to start with and there's no opportunity to save, or there's been no windfall to create savings. I've been in that situation of having no fall back at all, of having no choice but to not pay it and face the bailiffs at the door and have the attachment of earnings go to my employer - and now I'm not, my recognising and talking about that is not silencing anyone, it is not criticism of anyone, it is not slating anyone - but the reverse isn't true is it?
You can't talk about there being a difference in the two situations without being silenced as is happening here.
Posters have said on this thread, that's titled 'The worst thing about having no money' about how people who have savings, who have something to fall back on, who have choices talk about being skint to people who don't have those choices, and how demoralising that is, yet talk about that and the difference between the two situations in real terms and you're criticising and silencing people.
There is a difference, there's no two ways about that and trying to slap down posters who talk about that isn't going to change that fact.