As someone who has navigated this from the "offering-help" side a few times there's a weird dynamic where it can feel like offering to do the wrong thing is insulting insofar as it suggests the person is unable to handle X themselves.

US culture (at least the middle class WASP aligned parts I'm generally around) emphasizes individual responsibility! Self-reliance! etc. so much that it's a huge faux pas to suggest someone is struggling to do basic life maintenance.