It really seems like you're trying to blame people in poverty for being in poverty and that if only they'd follow these simple steps they wouldn't be poor so clearly it must be their own fault for not educating themselves. It's so simple and easy, just don't doordash your avocado toast and put some money in your 401k!

Poverty begets poverty. It's not a personal failing. People can't make a home cooked meal after a 12 hour shift on minimum wage. People can't just decide to not take on credit card debt when their car they can barely afford needs maintenance because it's the only way they can get to work every day to make enough money to keep barely scraping by. Systemic issues trap people in a cycle that literally destroys their bodies and minds.