I guess I just feel like this is making a mountain out of a molehill
Did you regular pioneer Apognophos? My husband and I did twenty-five years regular pioneering between us. Money was a mountainous issue for us, no molehill. Food shopping was a nightmare. We added it up as we went around to the last penny. We only spent clothes money on coats and boots for winter FS. We lived in a rented apartment in a rough area which I hated. Our furniture was second hand. Yes my husband window-cleaned, this guy who later found he was capable of getting a physics degree and becoming a chartered scientist. Money was a huge issue for us and we contributed every week at the KH as well. For poor publishers struggling for life's necessities and those pioneering for a long time giving huge amounts by card is causing great hardship.