Again, its less work for people who can. Consider 3 something billion people in China and India. A conservative estimate is that at least 1/2 of them are living hand to mouth — could be tech workers, other service jobs, manufacturing jobs, farm jobs but all of these 1/2 are living paycheck to paycheck.

Most of these people cannot do most of these things, but it's not they can't or don't want to. The key IMHO is psychological/cognitive load to get past the day. A good example that OECD country readers can relate to is homeless people - an extreme but relatable example because you can see it. When you become homeless the first thing to go are dignity, self-confidence and in short order mind's ability to think beyond the short term(next 3 hours and today). And Living hand to mouth(just beyond the edge) is the same proverbial frog(the mind) in boiling water(circumstances), just slower and acceptable to one to not completely break one but deform the mind enough that it's not always possible to recover.