No dude, my framework does not include "You're out of luck and there's nothing you can do to improve it". That's a loser mindset and Im kinda done arguing that. Saying that to someone is denying their agency, flat out.
Bringing a third world argument is ridiculous. Obviously, I'm not giving advice to them.
Feel what you want about Dave Ramsey, but the reality is people in America and the first world are generally awful at managing money and are usually to blame for their own financial problems. And even if they aren't to blame, believe it or not, there are still options.