I wouldn't be too quick to judge. A lot of people have hit hard times in this economy, and do not have two pennies to rub together. Yet they still have the same amount of debt as they did before they got laid off from a good job that allowed them afford a home and a newer vehicle.
Or you could be like me and get t-boned and rolled multiple times by a lady who ran a stop sign. That has now lost his job and still has multiple surgeries ahead. I can not work, and not allowed to lift more than a coffee cup. I was three miles from home driving down the road with my wife and daughter minding our own business, and BAM!!!
Like I say, I wouldn't judge from afar.