One thing that conservatives like to do is act like poor people who spend all their money and don't save are making the decision to do so instead of acknowledging the situation. They equate any level of income and whether or not all of the money is spent, using the same phrasing that you are using to say that spending all the money is bad. Adding a qualifier at the end that they don't have a choice but still saying it is bad implies that they are making a choice which just opens up more room for nitpicking on how they spend their money.

"Being forced to live paycheck to paycheck is bad because there is no ability to save for emergencies" means they are not doing a bad thing because it is about the situation. Focus on the inability to save, not that they spent all their money.

Put the bad label on the situation, not the action that is the result of the situation.