Whilst I don’t believe the majority of what she says…
I rent, have contents insurance and grew up poor. Holes in the bottom of my shoes, no food in the cupboard, being taken into care poor. I don’t have anything that is worth lots of money but because I’ve had lots of experience of severe poverty I ensure that I live within my means and insure things because I know that I could struggle to replace them.
Your lack of insurance isn’t about poverty it’s about your reckless life choices. Be accountable for your actions.