I don't deny that people aren't spending their money wisely, but no one forces people into debt. It isn't hard to practice financial responsibility.

Also, wait: you can ensure better living quarters than a tent, presumably with a stove, and be able to purchase food while working 20-30 hours a week? Or are you not guaranteed to be able to have shelter, food, and water working 40 hours a week? Your two statements seem contradictory, unless I'm missing something.

I'm actually somewhat envious of your lifestyle. I'm just bothered by the elitist attitude I often hear from people who live it (not you in particular! many others though). While you may be a perfectly fine hunter, happy to live off the land, etc., many people aren't and would prefer the comfort of a desk job and steady paycheck. It's all preference, I don't think one way is superior to the other, morally or otherwise.