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This 81-year-old still works at Home Depot to support herself and her 90-year-old husband
(www.businessinsider.com)
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They are today still making choices which are forcing them to work. They might be able to not work if they move to a cheaper area and give up their expensive car.
Like move to a different state? They have family and friends there probably and also moving can be expensive.
But I agree, some people can make bad financial choices, but mostly it's not educated choices. So they need help either way, probably financially and consulting.
What you said doesn't address what he said.
Then they have a new problem; isolation. Given having to work or be isolated, work is better