How to solve somebody's financial problems:

Step 1. Assume they're spending $20k a year on Starbucks.

Step 2. Tell them not to do that.

Step 3. Pat yourself on the back and award yourself the nobel peace prize for solving poverty.

There's a reason it's unpopular. It's too obvious to be useful and it's almost always used as a strawman counter-arguement to any actual solutions regarding any real economic problem.

You're not telling it to somebody holding an avacodo toast in their hand complaining about how poor they are. You're telling it to people who can't even afford that. It's extremely condescending and arrogant of you.