The bigger issue I'm hearing from coworkers is that it's house/car payments. My field is begining furloughs next week and MANY of the staff are panicking. Food banks will keep you alive, but they're just hoping that banks will have plans in place for people who rely on government checks so they don't get repoed/foreclosed on
If you have those payments it is even more important to have an emergency fund. I bet many of these people have cars with payments that exceed what they should have bought compared to their salary.
I can't comment to specifically without doxxing myself, but I will say this: The place I work and my coworkers I work with are part of the government which are NOTORIOUSLY underpaid for the duty they do. It also doesn't help that Colorado has become nearly as expensive as the rest of the west coast to live in. I understand your sentiment, but in this situation, it's not entirely accurate to think it's a bunch of niggers with gibs money.
Plenty of whites over extend themselves with cars as well from what I have seen. My view on this might be biased since I drive my cars well past when they are paid off. I just recently bought a new truck with 10 grand down and have been making double payments each month with the goal having it payed off in 2 years. I understand most people don't buy cars this way. I don't think my next payment is even due until March because of the double payments.