Yup. Pretty much. Barring people who have disabilities, and such, who are always going to have a hard time.
Keep in mind, of course, that your definition of "real hardship" and mine might be a little different.
No home, no car, no money, no food, at least one dependent.
I’ve seen it, and been entirely too close to it.
I’ll certainly grant this: the primary difference between the last 30 years in USA and the Great Depression (or the Third World) is that if you have any sort of useful skill, you’ll probably find paying work. Sooner, rather than later. Most of the time. As opposed to going on that way for years or even a lifetime.
If you have grown up in the last thirty years, you have known nothing but wealth and opportunity at every turn.
And I'm definitely calling BS on that.