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.
"excuse me, but I was looking to donate to a homeless who was good with money. skill issue."
"you are fiscally irresponsible, therefore you deserve to starve"
Nobody said that.
nobody "says" that they hate black people or gay people when they start JAQing off
How I felt in the original post seems to have resonated with a fairly significant amount of people here, so this was obviously a much needed discussion. While I appreciated the very long comment you posted previously (and even edited my post to mention you) you're just flat out being bad faith here.
Sorry, yeah, it's an accusatory tone in my comment, though I don't mean it at you. I don't necessarily think YOU'RE saying anything bad or trying to be bad-faith at all. I'm trying to explain why I don't like the idea of people being allowed to criticize posters in this comm, even for benign things or for good reasons. It isn't you who is "JAQing off" in my metaphor, it's some theoretically future person doing it with the lack of a rule as pretext to do so
You did not say it but plenty of people have who are not you and are likely to in the future (I wasn't directing at you with my mocking either. You literally didn't say anything close to it; Others have though and I saw it as an opportunity to make fun of them)