1. Yes, all sorts of human labor has been made obsolete since the dawn of the industrial revolution. So what... Do you know that prior to the mechanization of farms over 60 percent of all human labor was devoted to the production of food. 60 percent of everything we did was just to feed ourselves.
What portion of human labor in the first world goes to agriculture? It is between 1.5 and 2 percent in the US and we are net food exporters.
The problem with this whole "the robots are stealing our jobs" line is that people just get other jobs. When machines and improved agricultural practices made subsistence farmers obsolete those people got factory jobs.
Once the factories started automating or building better machines... which they've been doing for about 100 years at least... we had jobs go to clerical work, office jobs, accounting, management, calculation, etc.
Computers are reducing the labor required in ALL segments of the economy. Farming is becoming more efficient... we can use drone harvesters, automatic soil tillers, automatic watering systems, etc. Same thing in factories... robotic arms, etc. Same thing in clerical work with computers just automating huge portions of the business.
But humans still have value. Things they can do. And before you tell me they can't, I'll point out that in asia they are having no trouble finding uses for people.
The problem in the US is not a lack of demand for labor but rather that the cost of living is so high that it is very hard to find jobs that pay enough to support that cost of living.
However, that cost of living is artificially high because of problems in our urban and social planning. If you spread the population out a bit more and didn't cluster people into the densest population areas possible which drives up real estate prices then you could cut the cost of living for many people dramatically. Add to that there is an enormous amount of waste with your subsidies. Giving away all that money to people raises taxes which raises the cost of living which makes it more important to have subsidies which raises the taxes further... its a feed back loop.
You stop the feed back loop by reducing what is causing it and it can just outright stop leaving you with a reasonable income and standard of living without massive subsidies being required to prop everything up.
2. As to it not mattering why people can't afford to pay their bills, this is just lazy. It absolutely always matters and refusing to analyze why is unforgivable. I literally can't have this discussion with you if you're going to refuse to even look into any of your own premises.
Good day, sir.