I believe the idea that a person making $400-500 a month can "add money to a 401k and then take it out again" is not only unreasonable, but completely out of to

I believe the idea that a person making $400-500 a month can "add money to a 401k and then take it out again" is not only unreasonable, but completely out of touch with reality. It reminds me of when one of the more well-off kids at college is shocked to find out that his/her colleagues are taking out student loans, and suggests "why don't you just ask your parents to pay for it?"