Sorry FNG but that last bit sucks!
Over the 20 years that I've been flying (first gliders then power) I have had plenty of periods where I really couldn't afford to fly. Some how I managed to keep going and only ever lapsed once for a short period. I'm only just starting to really be able to afford to fly but I feel my hard times actually helped make me a reasonably good flyer. Instead of simply flying expensive club aeroplanes I was forced (actually I went willingly) to fly cheap single seat PFA types, fly gliders, microlights and cadge flights with others.
Being an impoverished pilot did me NO harm and in many ways made me a better than I might have otherwise been. It's totally arrogant to suggest anyone shouldn't fly simply because they can't really afford to ... If you only ever did what you could afford to at the time, most of us would have never gone to college, got married, had kids or experienced many other of lifes treasures.
SS