I challenge you to say this to a poverty-stricken single mother of a mentally-disabled child with no job prospects (due to not having any marketable skills, certifications, or degrees) and a mountain of debt left behind by a dead-beat husband who is incapable of providing child-support due to being an alcoholic bum with no job prospects of his own.
This is what my mother-in-law has to deal with every day.
Sometimes people "[do] so much" because they have no reasonable alternatives. Being overwhelmed is a fact of life for them.
seriously. why?