I would (and do) just refer them to resources. One of my favourites is my banker. It took me at least four tries to find a good one, but now I have free, awesome help with how to move forward despite the challenges I face.
If people are convinced that nothing can change, that there's nothing they can do, it's unlikely any words from you will ever change that. I "broke up" with a dear friend recently because I couldn't listen anymore to his multi-year insistence, despite all sorts of major advantages, that he can have nothing. My mum, though, I don't break up with. I just repeat my suggestion that she see one of the professionals that can help her for free -a poverty relief advocate, a seniors financial advocate, adviser at the bank- or an accountant. She won't go, or do anything else, so I leave it only at that.
I think that's the only "practical" thing to do. Other than that, I would focus your energy just on empathizing with them (reflective listening, etc) until they find their own desire around it.