It's not just about lacking finances but making wise decisions in spending, which takes a lifetime of learning and some people never learn it. I work full-time, but I also have rent, a car note, insurance, gas, food, cats, utilities, and credit cards that I've needed to get by this far in order to survive. I don't live at home with mom and dad; I'm 26 and live in another state. It was a better decision and easier for me to complete most of my prerequisites at a community college that is close to my work and home. The university that I attend part-time now is an hour away. So, maybe you can see where I'm coming from with that. Any extra money I have now is going towards paying off current loans (car and credit cards) so that I don't have those expenses (or less of them) in pharmacy school. And because I work (a necessity, not a choice), I don't qualify for grants or need-based anything.
As to how I'll afford pharmacy school, loans of course. I'm not oblivious to the fact that I can't work like I do and succeed in pharmacy school. I'll work during breaks, and maybe 10 or so hours per week if it is feasible.
The fact of the matters is everyone's situation is different. We all do what we do to get by, and there is no wrong or right way. In the end, we'll all be in the same place.