I absolutely couldn't watch more than ten minutes of it at a time because of how uncomfortable it made me. And you nailed the reason: broke people struggling through real problems (on top of being broke)

though I'd add that doing that in a sitcom format is the edgiest move on the show's part, because it reveals something troubling about us (and by "us" I mean "me" since this is my problem I'm describing - though I suspect I'm not alone) and a built-in cultural distaste for the idea of poor people enjoying themselves ever.

It says nothing good about me and a bunch of good stuff about the show that I can't watch it, but I still can't.