At best your statement is assumption. Some people just have no clue about financial matters and need the lesson repeated over and over.
I've seen people refinance over and over to payoff mounting debt and disregard anyone saying "Dewd, your doing it wrong! You need to do this, this and this instead."
Either way, even telling them that doesn’t fix the situation at hand. “Dewd, your doing it wrong! You need to do this, this and this instead.” is different than “you shoulda done this” and is a reasonable thing to say.