Let me state this absolutely directly, for all other responses as well:
I'm talking about me and my life, and my family, and my friends. In various desperate situations, without money or time or car, working multiple jobs, and things in life going bad on top. Some made reasonable decisions about life, others not thinking and just muddling through, and others just checking out. Nobody's "meal planning", you grab whatever's cheap at the store (and that'll be grains, vegetables, and some meat) and make a pile of it at home to feed from or take along to work, so you don't have to cook often or go out much.
I don't know why everybody jumps to "You don't understand the people you're talking about!" Lots of people (even here on HN) have been there, or know people who have been there. There are tons of ways that life plays out, and having horrible situations is not some guarantee that your life is cemented into a perpetual downhill and that any other thinking is "out of touch".
It's just a lot harder, and sucks a lot more. But it becomes the new normal in your life. You do what you need to do, and you'd better figure out what you need to do, because tomorrow is staked on it. Plus, any little progress is still progress; even if you're not a millionaire at the end, at least it's not as bad as it was last year, and work to continue that at any scale for the next.