With no explanation, chose the best option from "A" or "B". Frank is talking to Tom when Tom tells him that he's been struggling financially recently. Frank wants to respond to Tom's statement.

A: Frank tells Tom that it's unfortunate and if he needs some help Frank can help him sort it out.
B: Frank tells Tom that it's his own fault for not being prudent with his money, and he ought to learn how to do so.
A.