Saving up is a good idea before adopting. I understand that maybe it's better a cat has a home than sit in a cage but why on earth would anyone want to bring an animal into a home where they can't afford their care?
IMO way too many of the people who preach about "better they have a home" are just looking for an excuse to bring home an animal they can't afford. Then they are devastated when the inevitable happens and they are forced put down a sick pet because they can't afford it's care.
The solution is simple, saving up for emergencies before adoption... but I guess way too many people are all about the instant gratification and wanting their new pet NOW.