It's not victim blaming to say saving money on discretionary purchases might improve your financial status and therefore quality of life. This is true regardles

It's not victim blaming to say saving money on discretionary purchases might improve your financial status and therefore quality of life. This is true regardless of disability status, life situation, etc. If you don't think that's the case, and the discretionary purchase is worth the cost to you, then the advice doesn't apply and you can ignore it.