I mean, it's been the standard personal finance advice for decades. Step one is to set aside six months of emergency expenses. If you have an above-average income, you're capable of doing that. It's not "judgmental" to point out that this is indeed an intelligent strategy, just as advisors have been suggesting for years and years.

You yourself said that for the people you know who bought a house without that, "a job loss would be devastating." So you seem to agree with me and the personal finance advisors.

I did not say they had "a spending issue" or that they were "wasteful with money." Those were your terms just now. I simply said they should have rethought. You're turning that into some moral judgement, when all I'm saying is that it's bad strategy.