My experience is that most people don’t fall on hard times. They leap onto them.
Most may not - but many do. I know, because I'm one of them. We picked ourselves back up, but we fell we didn't seek it out.
I remember the Christmas when the Pastor called me to tell me the Vestry had decided they were not going to Social Services to find an Angel Tree family because they wanted to keep it in the church family and had chosen us. I thanked her and said no thanks. My father had sent us money for me, my husband and our daughter to drive from VA to FL. I was going to see him for the 1st time in 17 years and he was going to meet his only grandchild for the first time, and she was 11 at the time.
I know abut falling on hard times, it does happen to the best intentioned people.