Wow, that's just an amazing insult, and an even better oversimplification of how jobs work. Having both skills and time is not a guarantee of income, and employers have an obvious incentive to reduce pay in every possible way.

And life is too complicated to guarantee both skills and time no matter how much effort you put in. The person you're replying to mentioned disabilities. I'd add that being young means you don't have skills yet, but you still have to eat. Having kids means you don't have time, having a medical emergency often means no time or money, being born poor means less resources to developing skills, having some skills but not all the ones needed for the particular job you are trying to get, having skills but only the skills for low paying job, I could go on and on.

I'm glad life is so straightforward for you, but it's not for many many people who put in an immense effort into just surviving with very little hope of having extra money to buy things they want like tools.