1. Not seeing what is happening. Sometimes folks just aren't informed on what is going on. Hard to make logical conclusions and adapt to them if you don't have the information.
2. Refusal to accept the new reality. Folks will just stick their heads in the sand and hope the problem goes away. Often this happens with a family who simply can't afford to maintain their current lifestyle. They will try to borrow and juggle bills and try to hold onto the greased string as long as they possibly can. Like tearing off a band aid going slower just makes it worse. Better to have a couple really rough months than a couple pretty rough years.
Also there are those starving farmers in Africa. Ya know the ones you always see on the aid commercials. The ones who keep planting pathetic little gardens on their 1/2 of an acre farm in the Sudan where 9/10 years there is a drought that kills all the crops.
3. They limit their options. They refuse to try the kind of food that is available and starve instead. They refuse to move to find work. They hope old jobs will come back instead of focusing on retraining and finding new employment.
4. They give up. Adapting, at least in the context we are talking about, is usually unpleasant. Like any other human situation there is a huge psychological factor. When something bad happens I am not saying you shouldn't be sad. Eat a carton of ice cream, or drink a half bottle of booze or whatever it is you do. Go to sleep, wake up and get the heck on with your life. It will eventually get better.