As a single female who recently found herself upside down in debt because of her car dying unexpectedly before it was completely paid for, I have to agree.
Before that misadventure, I had very little debt, and three quarters of my credit cards completely paid off and had a start to a nest egg. I was working one full time job and an on-call part time job. Now I am working my arse off to take care of my situation and rebuild my nest egg. I have a full time job, two part time jobs and the on-call part time job.
Does my current financial "crisis" situation reflect poorly on me? I don't think so. I am living way below my means and am working hard to remedy my situation.