What is Ishmael describing when he states, "…whenever I find myself involuntarily pausing before coffin warehouses, and bringing up the rear of every funeral I meet; and especially whenever my hypos get such an upper hand of me, that it requires a strong moral principle to prevent me from deliberately stepping into the street…"?

you need to include the text. we have no idea what you are referring to

answer: it is true that students often work and do household chores, but managing homework in addition to other responsibilities students learn to organize their time efficiently and prioritize their studies.

the first argument attacks those who disagree, asking them to be "realistic" and "accept facts." this is not conducive to healthy debate and disagreement. the second one only takes into account a section of the student population, and ignores the other one. finally, the third option offers only anecdotal evidence. it is only the last option that provides a well-constructed argument in a persuasive way.