Would people in truly in dire straits have years to save up money?
Are you serious? Let me get this straight. You are using someone's ability to save money over time as proof positive that their situation isn't dire?
People that are desperate can save what meager funds they have for their one shot at a better life. Squirrels can save over time, so to can humans.
Even during the Great Depression people were able to figure out ways to save. You beg, borrow, and steal if necessary.
don't understand why this is such a hard concept for you to grasp.
When you are desperate and you see a path to a better life, then there are plenty of human beings on this planet that figure out a way to "do what needs to be done" in order to realize that path.
Saving a few dollars at a time over a period of years is not uncommon. Poor people do have this ability. It does happen. Especially when there is a clear goal in mind.
When I was a kid, I managed to save $1400 in order to buy my first car. Took me two years of mowing grass, raking leaves, and working at the baseball stadium in the summer to save that money but I did.
I seriously don't understand why you need to prove they aren't in dire straits for your argument. That is an unwinnable argument requiring some serious mental gymnastics to pull off.