I think we need to split some hairs here; 1-3 are deserving of sympathy - and it's really our collective shame that people are in that situation. 4 & 5 deserv

I think we need to split some hairs here; 1-3 are deserving of sympathy - and it's really our collective shame that people are in that situation. 4 & 5 deserve to be mocked at this point.