No one making $9/hr with a kid or two is going to be dishing out for a Costco membership and getting a volunteer to drive them around everywhere they need to go. There is no long-term savings and “financial sense”, it’s hand-to-mouth, sometimes shoplifting to survive. Have you executed this plan yourself? If not, I’d suggest appreciating the fact that it isn’t this easy or many people in poverty would have done it.