In some homes, even if everyone works together, their hard work cannot improve their conditions, so we should spend according to our needs.
How can two partners be working hard in a family cooperatively and still yet their situation is not improved. This only mean one thing there is no budget and planning in such family a family, this is because you can be hard working but when there is no proper budget to spend you will find out that you will find yourself struggling.
Most times in situations like this, it is not because of no budget and planning makes them to keep struggling but at times low paying income. They actual budget and plan, just that their income is not enough to satisfy their needs. And in such situation things keep getting hard for them, they might even run into debts and the only way out is adding another source of income or switching jobs to the one with a higher pay, to which can give them a comfortable life, which might not be easy to get from their end.
In a household even if everyone works together both husband and wife even hard, it doesn't guarantee financial prosperity, but it does provide a solid foundation. There are several factors that make this no guarantee. Besides the low income as you mentioned, there are also the increasingly expensive necessities due to inflation making their salaries insufficient for children's education and healthcare. If they don't already own a home, they have to rent.
In essence, hard work combined with cooperation without planning is a lie. Good planning without adequate income will also make it difficult to build peace. But if hard work combined with planning, coupled with a continuous pursuit of income growth, this is the most powerful combination for breaking out of a difficult cycle. Financially successful families typically have two focuses controlling expenses and aggressively pursuing income growth. Moreover, in this digital age there are many ways to increase income, such as creating content, selling works, etc. so there's no need to expect jobs from companies or the government.