https://medium.com/utopia-for-realists/why-do-the-poor-make-such-poor-decisions-f05d84c44f1a#.mvn7ni7g4

Poverty isn’t in your genes or your luck. While there are people who habitually sabotage their own abilities to earn money, and there are people who are ill-equipped in various ways to make their way in the world financially, without the basic necessities that allow us to survive, it is simply not possible to do so.