Also, false(to the later point), having type-2 still does damage to the beta cells and given time many will require insulin. Also, this still gets back to the OP placing blame on the individual based on ignorance. There are many reasons for an individual having a large mass, low insulin production, and insulin resistance.

Low card can be part of it, but it's not a panacea, once an individual has diabetes, the damage has been done.