I don't think they have it so bad. I think most R&F JWs have given up far more in their struggle to live. Let's see what they have not had to give up. Where I last went the following was paid for the CO.
A nice, fully furnished apartment centraly located within the circuit.
A new car
Insuranace for the new car
Meals taken care of by pubs when visiting.
Under the table perk$ by those looking to get on his good side.
expenses picked up by congregation
Worshiped by a new crowd every week.
Health insurance (? I think this was paid for, but not sure)
From what I saw most of the COWs were better dressed than most of the women at the hall.
I don't think they had such a bad life, I think the R&F pub and pioneer driving that old 1990 4 door olds, cleaning windows to keep his wife pioneering without any insurance have gave up far more than the COs have.