The article takes as basic measurement the savings of said poor people. I might be wrong but I imagine when you barely afford proper housing and food you don't

The article takes as basic measurement the savings of said poor people. I might be wrong but I imagine when you barely afford proper housing and food you don't really think about saving, so the article is like blaming people why they don't eat cake. Even the counting of their worked hours: of course they work less, going down from three jobs to only two is a significant decrease in working hours. My point is, none of those measures were something to drag them out from the level they were in, so I see no reason why they should have changed their habits. A one-time payment gives you the opportunity to fix your car, that's all. And of course what you said, forgiving debt isn't doing much for the person in debt (unless the debt is against mafia, then very much yes). Your last phrase irked me quite to the point of ignoring the rest. While there are of course poor decision makers among poor, I believe just blaming them does zero helping the society - and I hope for a society where I can walk on the streets without being attacked by starving "poor decision makers". And no, living between barbed wire walls is not a future I like either.