pennycockle
A very poor cockle. It was created during the 1950s as a satire on pennyloafers--people who were very lazy but only had pennies to their name. However, due to the rise of inflation and a penny being completely worthless now, a pennycockle is a much worse insult.
Look how poor that person is! They must not have a penny to their name! They must be a pennycockle!