Having lived thru that era, and having been a poor starving student around the time of Married with Children, my experience was they bolted on the poverty but never internalized it to the show. The characters clothing budget exceeded mine by a factor of perhaps 100, their house and possessions were fancier than my parents by a large factor (and my parents were pretty well off, wealthier than I'll ever be) and when they were not directly discussing finances their financial issues were laughed off at a level that would mean I'd end up homeless if it happened to me as a starving student.

Basically they were a rich family like the Cosby show but they loved to LARP that they were poor. A cheap cut-and-paste job where Bill isn't an OB/GYN or whatever he was, but cut and paste him as a retail show salesman without changing anything.

There's a good analogy with how soft sci fi is made, aka the bad stuff. Take a story from another genre and have a computer mechanically cut and paste it into "sci fi" without changing any aspect of the story beyond the crude cut and paste. Superficially shiny and signally, but the slightest attention shows it makes no sense.

From memory the pull the show had was crude language and motivations, in a non comedic manner. It was an appeal to the 80-90 IQ cohort, roughly. Its appeal wasn't the socioeconomic class they lived in, it was appealing to the fart joke demographic, and the producers figured they'd have to bolt on a shoe salesman job instead of OB/GYN because OB/GYNs don't talk like high school dropouts.