Lacking the wherewithal is a term used to describe someone who is UNABLE to afford something due to a lack of resources. This can be seen in the two crossword solutions, 'UNABLE' (6 letters) and 'breadless' (9 letters). The former implies an inability to do something, while the latter suggests a lack of money or financial means. Both terms are used to describe someone who is UNABLE to purchase something due to a lack of funds.