You do realize this is what most criminals of the world just so happen to say as well, right?
Where is the line?
It's an extremely unfair system based on coercion - you are beaten down into submission by the implicit threat that without work you won't be able to make ends meet.
Maybe you have a family that can support you financially. Maybe you already own the place where you live and could save up money over an extended period that you can weather a storm. If you are in these situations, that's great, but it is also an extremely privileged position to be in.