This comment gets better if you rewrite it to avoid the "you", such that it doesn't read like a personal attack. For example: "Many people would be thrilled for their biggest problem in life to be working, for money." That implicitly suggests the benefits of a broader perspective without suggesting any fault on behalf of the author.
Perhaps the GP comment could have been better phrased, but read it in impersonal "you" tone and it will make more sense and sound a lot less like a personal attack (which I think it isn't).
Stupid statements such as the quoted one should be called out. (Living a sheltered life is not anyone's fault by the way.)
