If you're truly in a position where you can't save even small amounts like that, then your living situation was never sustainable to begin with. Something HAS to give, whether that's more of your free time or where you're living. Example: You're making minimum wage but you feel entitled to live in the SF bay area. That's a self-inflicted financial hardship.
This is more about the bay area liking to have some people around working minimum wage jobs, if everyone doing so moved away... The other issue IMHO is - sure you can go move out to the boonies where it's cheaper to live - but then there's no jobs. Or you now need a car - great, you're not saving money, you've just shifted from rent to car costs. And you're more isolated. This even assumes you can move - there's all sorts of reasons that could be an issue. I always wondered why anyone would be homeless in the northeast (or anywhere with a cold winter), but then I started to think about how realistic it would be with no money to somehow get thousands of miles south... There's clearly barriers here.
Meanwhile, some people think they need to live on campus in an insanely overpriced dorm room, then blame everybody BUT themselves for the fact that they owe $300,000 in student loans.
I don't know if you went to college, or when you may have went, but both colleges I went to required students to live in a dorm for at least the first year, and also required a meal plan. I'm sorry that at 17 I didn't have the wisdom to know I should not go to a "good college" like everyone preached to me for my whole life.
If a person is that stupid, they really had no business going to college to begin with.
Not having the life experience of a 40 year old at 17 is not being stupid. It's far less true for new potential students, but 20-30 years ago there was little to no common cultural idea that going to college would be a bad idea, or that the costs were unreasonable. We were all told it was an investment in our future, and that we'd make back far more money with a degree than we'd spend to get one. Even today, if your parents can brainwash you into a religion, they can brainwash you into college debt - this isn't the students fault IMO.
And little numbers add up to big ones too. Why would you spend $5 on a coffee that costs 50 cents to make on your own?
I'm going to let you in on a little secret here - most coffee shop coffees aren't "pour out of a pot" into a cup coffee - that's diner coffee, and it's not $5 even today, it's more like $2.50 and unlimited refills. Whether you think coffee is that fungible (i.e. just a caffeine delivery system) is up for debate between coffee drinkers, but this is a silly comparison IMO - might as well compare dried black beans to a ribeye - both are protein so why are you wasting money?
I've seen people make "higher end" coffee at home, and there's bunches of youtube channels about it too - yes, the incremental cost may be $1.50 I'd say, but the capital investment tends to be a lot higher in good grinders, proper brewing equipment, filters, mugs, cleaning all that. Plus various milks, whipped cream, time making, cleaning, etc.
Heck, I'd have had more respect for the argument if you treated coffee like cigarettes - you sure don't need either one.