As it stands now, this community serves mostly as a way to get money. That isn't a bad thing, but cash is not a 1-size-fits-all solution to every problem. Taking care of a persons needs is always priority #1, but at times, said person is unfit to handle money in a way that reliably alleviates those needs. Traditional, local, mutual-aid networks can usually address this in the form of community pot lucks, clothing exchange, etc. Here we are more or less limited to advice and more money.
Making a rule about unsolicited advice and being critical of users, limits us to just money as a tool to solve problems. Sometimes people need a tough conversation to grow as a person, sometimes people need to be reminded of the situation they are in. Yes, the capitalist system is oppressive. Yes, there are systemic issues that prevent us all from succeeding. That doesn't mean there is no situation where decision making is a factor. Sometimes, you do actually need help making better choices. This isn't to shame people for making bad decisions, sometimes there are psychiatric reasons, sometimes they genuinely don't know any better, but you still should speak up so they can potentially correct the problem and learn.
This rule effectively creates a hug-box where we all pretend that personal responsibility doesn't exist, that there is simply nothing to be done. It's incredibly infantile, it's a cope, and the people in this community deserve better than that.
EDIT: I feel I may have had a change of heart after reading the comments left by @EelBolshevikism If you are looking for a somewhat comprehensive response, those comments are likely a good starting point.
Unsolicited advice from Internet randos is probably the least effective form of "aid." Why would anyone consider or care what a stranger has to say?
Realistically, outside of money, people in a public anonymous forum could:
Pretend to be job references for people applying for jobs.
Help people pass certification exams or even do their homework.
That's pretty much it.
I personally think this comm should be more geared towards raising funds for any gofundmes, not just for people from this website. There's so many gofundmes from Palestinians, and it's kinda weird that we don't have a sticky about it. There's an entire website dedicated to vetting those gofundmes: https://gazafunds.com/. If you think they're all scams or whatever, there's a gofundme by the municipality of Gaza itself: https://gaza-city.ensany.com/campaign/6737
Yes, not all anonymous randos asking for money on a public anonymous forum actually need the money, which is why this comm should be geared towards gofundmes that can be vetted on some level. All those "uh aktually I don't want to give you money because you're a junkie who will blow the money on drugs" whiners can be redirected to donate to the Gazan gofundme instead.
Good idea, but this comm should still be open to regular users too, can't forget about them. This comm has helped me so much in tight spots and generally speaking it seems the same for most users. I tend to think people coming here for help do need it.
Outside of that we do from time to time get posts raising money for indigenous comrades.
I don't have a problem with gofundmes or anything, but I feel like that kinda thing falls into charity and not mutual aid. Still good of course, but different. (which opens up the conversation of if an internet forum can even be effective mutual aid but that's off topic)
I don't have a problem with people asking for money they don't need, lying, using all their money on drugs, idc. I'm just asking that conversations be allowed to happen when they happen. Even if the OP ignores the criticisms entirely, it brings engagement to a persons post, which might potentially get more people interested in supporting them.