Actually, I think the reality is very few people actually ASK for money. Most people talking are probably doing what most of us on here are doing - talking, venting, brainstorming, etc. I think it's a perfectly reasonable annonymous forum to do so. Venting is different than asking for things.
However, the problem comes when people start OFFERING money. Why on earth would people start offering money to strangers over the internet?
When you are on a budget board, people are going to want to talk about budget issues. There's nothing wrong with doing so IMO. It's odd to me that people come to a budget board, talk about budget woes, and then get trashed for doing so.
Talk all you want, just don't ask for anything. Respond all you want, but do it in helpful ways that don't involve GIVING MONEY TO STRANGERS!