Edit: I have a sneaking feeling that we're actually on the same page and that we've just misunderstood each other. Is that correct?
No. We weren't on the same page.
But we are now.
Damn. That was an excellent schooling you gave me!
(My feeling was that a lot of basic middle-class people miss how practical and smart the poor and disadvantaged actually are. They have to deal with bureaucracies and learn systems and figure out how to make rent and be clever and cagey and overcome inconceivable hurdles that people living a generic middle-class life never have to face. So the poor/disadvantaged tend to be way more capable and competent than others give them credit for. That was my angle... I thought, "Hold on Jezzer, now let's not talk down about people who have it harder than we do. They aren't dumb." But... I really am wrong. They are dumb, in this case.)
Case in point: https://www.express.co.uk/videos/5795420369001/Love-Island-Hayley-admits-she-doesn-t-know-what-Brexit-is