You get it! Some people haven't been in the real world long enough to get it and even though they don't have useful advice they are still 'haters' and have the right to 'hate/judge' while others enjoy the pride of having hundreds of posts on sdn I guess...A lot of the advice is based on people's own projections rather than her actual situation so it is perfectly appropriate that she not give it much weight. Don't eat out so much and quit buying expensive stuff you don't need is worthless advice for someone who doesn't eat out and who bought silly stuff like groceries and utilities during a time when her spouse was out of work (maybe there were dumb purchases from before on there from when they had more income but there is no indication she is impylse buying now) The car could have been obtained at a time her husband was making good money and they figured they could afford it, and advice to buy a cheaper car isn't particularly useful if she doesn't plan to get another car.
Hopefully none of them will become physicians that, when a patient comes in and says 'please help, I'm addicted to drugs' or 'I'm an overweight diabetic' they say 'too bad, you shouldn't have done drugs or gotten fat in first place.' Not helpful or empathetic, which to me are essential qualities in a physician I would trust. But that's just me - the irresponsible overspender in their eyes.