Those are all valid reasons and of course it's understandable that you'd need to resort to using credit card debt if you had no other option. However, had they

Those are all valid reasons and of course it's understandable that you'd need to resort to using credit card debt if you had no other option. However, had they been more frugal and put more effort into their savings prior to the event, they might not have needed to go into (as much) debt.