Miser12 

If you are in a really low tax bracket you can withdraw money from your RRSP to put in your TFSA. 

Yes, you need to claim it as income but if you are in a low tax bracket the tax paid should be much lower that what you got back when you contributed it. 

Now, if you are really hard up on social assistance or EI, then that is different.  Withdrawing RRSP money could affect those payments and you may have a point on that.