i see what ur trying to say but u have to remember a lot of families are just trying to make ends meet
keeping up with past due bills, putting food on the table, sometimes saving can become a LUXURY in those instances.
which is why i am very careful these days about entering conversations about "get ur credit together! it aint hard! just focus"
it's much easier to save, plan for the future, and keep up with your bills when you are financially comfortable and actually HAVE extra funds to put aside.
when all ur money isn't going to keeping your lights on, paying rent, and barely getting food on the table for ur kids.
when u are not struggling.
it's very possible she just wasn't in the POSITION to save or take time to plan for the future.
it's unfair to low key brand her as being irresponsible in some way when we dont know her situation.