Imagine a person working a minimum wage job with $10k in credit card debt due to a family member's unplanned medical expenses. Now imagine which would help them

Imagine a person working a minimum wage job with $10k in credit card debt due to a family member's unplanned medical expenses. Now imagine which would help them more: 100 hours of you telling that they need to increase their earning power to pay off their credit card debt? Or $20k to immediately pay off their credit card debt and build a rainy day fund? I don't think poor people are so ignorant that 100 hours of your advice is going to be worth $20k to them, no offense. Honestly, your answer just seems like a shield for selfishness. $20k is a significant sum of money that would make a significant difference in other people's lives.