You seem to think people's financial-status is static, such that one should abandon their Thai wife/kids if they have to use their savings to help them. I am fortunate, in that my finances have only improved since I came to Thailand, but I know of others who had to deal with family-emergencies.
"Going home to make money to send back" doesn't work any more, generally, given a higher-cost-of-living country where millions of poor were invited-in to flood our labor market, at multiple skilll-levels. That said, if one doesn't have skills they can sell via Internet access, they may be stuck in their passport-country.
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