Poor people don’t have control of their situation. You are literally victim blaming and surprised that rubs people the wrong way. Victim blaming is rude, offering your flippant two cents is rude. There, your ideas are challenged, rather than tone police go think about it.
suggestion: give people the benefit of the doubt instead of assuming they are out to get you, trying to blame you, or trying to attack you. Especially on hacker news.
Was it a “dumb” question? Yes. Maybe they are dumb. Maybe they are just totally out of touch because they don’t know any poor people. I don’t know because i’m not a mind reader.