Been there and done that, Mackay....for many years. Eventually I learned. There has to be an awakening somewhere or one just struggles until the end. I still struggle but not like before......not anything like before.
You are right....some folks can't learn, some don't want to. Some cannot even see the need to change.
The folks who struggle hand to mouth are the very ones who need to change how they manage. I know~I are one and used to be more of one. I've seen some mighty poor folks using cell phones, buying cigs, beer and canned cat food....it's all about priorities really.
When you have a single income and it's very low, every day is a struggle. Then you have to look around and see why I'm struggling, can I cut out some things so I struggle less, can I make or grow things so I struggle less, can I move to a house where I don't have to pay for city water and sewage, can I use less energy and heat with wood, spend less money on frivolous things, can I save money for emergencies, etc.
I agree, with some it may be that they are unable to be as prepared as others for an emergency. And with some, it's simply how they live their lives and this won't change.