[robotbikes]

Our current social welfare programs actively discourage people from saving money to get out of poverty. If you have more than 2,000$ in your bank account you are disqualified from reviving EBT in many states. So people either have to save and hide or lie about their money or get cut off the second their able to build their own safety net. Predatory lending and an inability to plan beyond their immediate survival also incentives what could be considered bad financial decisions. While start ups might in theory help buffer some of the negatives what objectively is needed is opportunities and examples of alternative means of livelihoods. People don't generally sit around and have babies because they don't have anything better to do, although I'm sure sex out of boredom does result in some unplanned pregnancies.