[javert]

> You're forgetting that many people are poor because they never got proper financial education.

No, that's not right. You sound like someone who has not known a lot of actual poor people. Of course maybe you have.

[omegavesko]

I live in Serbia. Yes, I've known many poor people. By western standards I'm fairly poor myself.

I'm not saying all poor people are poor by their own fault. Far from it, especially given where I live. But it is definitely the case for many, and for some people I've known as well.