That's an extremely tiresome interpretation of the comment you replied to.
If you give them just the tiniest little benefit of the doubt, it's easy to see that they are talking about the money they had available after meeting their needs and that they probably aren't criticizing people that don't have a lot of such money.
Yes, I understood your point. My point is that it is tiresome to bring it up anytime and every time someone makes a comment about saving money. They weren't being dismissive, they were replying in context (people that save their way to riches sort of obviously have had money that fits into the 'savable' category).
If you give them just the tiniest little benefit of the doubt, it's easy to see that they are talking about the money they had available after meeting their needs and that they probably aren't criticizing people that don't have a lot of such money.