I agree with you. Many people aren't doing well, and I empathize with them, but there are varying reasons why they've fallen into financial hardship - much of which, according to the data, stems from poor money management. The evidence supporting this is overwhelming.
Furthermore, when people make bad financial choices that lead to difficult circumstances, they rarely take responsibility - even when it lies squarely in their own lap. Instead, they tend blame others.
I'm not saying that's always the case, but it is true most of the time.