The kid is 10.
If it were me I would just consider it a 10 year olds joke gone bad.
Big offense can be taken at the smallest slights or mistakes.
When I was 10 I might have tried that joke on someone too, but I can guarantee a parents job loss or poor financial situation would not have occurred to my 10 year old brain.
It was a joke not a personal insult from a 10 year old.
If it were me I would just consider it a 10 year olds joke gone bad.
Big offense can be taken at the smallest slights or mistakes.
When I was 10 I might have tried that joke on someone too, but I can guarantee a parents job loss or poor financial situation would not have occurred to my 10 year old brain.
It was a joke not a personal insult from a 10 year old.