Rather then ripping people apart for making bad decisions, be grateful that you had the insight and the income to not get yourself in trouble. Really, be grateful you aren’t in their shoes. I am not saying have pitty (well maybe a little kindness), but rather than focusing on such negative energy, be grateful for your knowledge and wisdom that kept you on the right track to where you are today.
I haven’t seen the movie so I cannot comment, but I did grow up with a mother that could barely afford to put food on the table or pay the electric bill. Any credit card debt that she incurred was for living expenses, not tv’s or designer clothes, nor vacations. There are a lot of greedy people that overspend for a number of reasons (self esteem/identity issues), but there are also a lot of people really struggling who just don’t understand revolving credit debt and get themselves in terrible trouble.