Oh wow...I would consider it rude to tell someone they didn't deserve a dog too. (With the exception of people who abuse their dogs or mistreat them, of course...in that case, I think it would be a fair statement.)
I've never seen anyone here told that because they don't know what questions to ask and what to look for. Not deserving of a dog, no. Not fully prepared to make and educated decision, yes. I think there is a big difference there, between not 'deseriving' something, and not being prepared and knowledgeable.
I wouldn't consider it rude at all to see someone say, 'hey, you should really hold off on trying to buy a dog until you've done a little more research on the breed.'
I would never expect someone to be looked down on because they are not rich and I don't think that Yorkies are indulgences that should only be afforded by those who are. However, they come at a price. There are expenses to cover. And I don't think that when looking for a breeder, the price you are willing to pay should be the main focus of your search. I think there are other aspects that are more important than price. One needs to be aware of what expenses are being covered--breeding stock, registration fees, show costs (if any), medical testing, vaccinations, supplies, etc. If you can't afford the price it takes to cover those expenses, you don't just 'settle' for a lesser dog that someone cut corners on...you face the reality that maybe a Yorkie just isn't in your price range at the time and save up until it is.