That's the answer someone without serious financial worries would say. I have friends who never have more than $50 of spending money in the bank. They'll have more sometimes, but it gets used to pay bills.
Nothing wrong with people who have no money problems, or have richer parents. That's reality. I've never had a huge financial issue at uni. However, to say what you said simply indicates to me that you don't have a strong grasp of what people actually go through financially to go through uni, or perhaps how uni (and cost, payment) works in other cultures and countries.
In lots of other countries, students rarely accumulate as much debt as they do in the US. However, they also don't look at this as an opportunity to buy a really expensive laptop, either.

Perhaps it's the common way to think about debt in the US (with regards to education), but it would seem completely foolish to say that in other countries I've lived in.
Then again, taking a year off after high school to work and travel would seem unfathomable for some people in the US, while it's VERY normal in some countries.
I just finished my Ph.D., and I use pen.