> Sorry but you are coming off as utterly tone deaf and patronizing.

I’m sorry if it’s coming across that way. It’s not my intent, and I’m aware that many people are a lost paycheck away from a crisis.

But if you really think the right thing to do in response is to complain and commiserate, I don’t think that is helpful, either. I think it’s much better to encourage behavior that has a chance of being effective.

If you think it’s somehow wrong to encourage people to behave in such a way that has a better chance of setting them up for success, then I vehemently disagree.

> To effectively tell them... to adapt when that simply isn't an option is losing sight of the human angle.

You must have a pretty low opinion of people if you think they can’t adapt.