> anyone who can't save money must just not be able to make good decisions

Unless you’re lending them money it’s always better to assume the best about people and spend the energy on helping the less fortunate. However, if you’re the person unable to save it’s better to assume you lack the virtues required to do so and concentrate on developing those virtues because you’re the only one who can do that for you. If after developing those virtues you still can’t save due to circumstances truly out of your control you’ll know that definitely and you’ll still be better off.