I live in a third world country, and although I'm (by our standards) doing pretty well right now, both my parents come from very little. My mom, as a young woman, at one point even lost everything she had in a fire. I was fortunate enough (through their hard work, and undoubtedly some luck) to mostly experience economic stability growing up, though we did still go through a rough patch when I was a kid.

The person I'm engaged with, and their family, had/has it even worse, and it's not hard to see the ways it affected and still affects them.

My point being, I'm no stranger to a family history of financial hardship. I'm sorry for whatever you and your family have had to endure. But, politely, screw off with the implication that the only way I feel the way that I do/say the things that I say are fruit of some privileged upbringing that couldn't possibly understand money problems.