Depends on who says it. If it's a close friend, I'll take it literally; otherwise, I'll just appreciate the sentiment.
If a family member said it then it would be sincere, but when people say it to me that aren't close, I just take it with a grain of salt. I think it makes people feel better.
I think you nailed it. Oftentimes, people who are not withing our inner circle say it because they don't know what else to say.
I take it literally as when I say it, I mean it too. But there's some people that I know don't mean it.
You never know. Most people firmly believe that if you have a need you should get lost and come back when you don't have it any more. Some people take offense when you don't ask. Some people really mean it but the only needs they recognize are a@@, gas, and grass. And some just want to get somebody, anybody, converted into their church. There is no way to tell one from another.
I just appreciate the concern and move on regardless of its someone close of not....not like I will accept any kind of charity