Mathias Cormann (WA, Liberal Party, Minister for Finance) Share this | Hansard source

This is actually directly addressed in the explanatory memorandum, under 'background':

A person will be taken to be experiencing a personal financial crisis if they have been subjected to domestic violence, incurred unavoidable or reasonable expenditure or in the circumstances prescribed by the Secretary in a legislative instrument.

There is obviously a level of discretion there that will enable the necessary flexibility to ensure appropriate personal or financial crisis circumstances and financial hardship are properly applied.