Often poor people like to be poor. They are given a chance - for example, a big lottery win - but they spend it all without investing anything in the possibility of a steady income. They buy villas, cars, furniture in huge quantities, without thinking that they have to maintain it all. In the end, the money runs out - and the balance sheet is a pile of illiquid. They sell the rest for pennies, which they also spend. Poverty is often a psychological problem
You are right that there's often a lack of proper financial management skills in the poor because they are mostly illiterate as they can't afford studies and even if they did study a little bit when they were young, they never had enough money they could manage properly to learn management skills when it comes to finances, so they lack such skills which is why when they manage to get a lot of money from somewhere all of a sudden, they don't understand how they should use it, so they waste most or all of it.
However, this isn't limited just to one financial class, even a person who is rich but didn't earn the money themselves but just got all the wealth in inheritance, would barely be able to manage things properly, and will eventually spend it all and wealth will keep reducing and their businesses will shut down eventually for a lack of management.
People who experience the fate of poverty certainly have quite a heavy burden on their minds, financial problems that they have to think about every day make them always fail to think positively. I don't think that people who have the fate of being poor are a result of laziness, but rather that they are destined to come from poor families for generations and it is very difficult to get out of that zone. Unless the government and companies are really serious about helping them by providing financial assistance and job training to create creative self-development. In other cases, I am also very annoyed to see people who waste opportunities, let alone spend their inheritance and are wasteful and that is how poverty will continue to plague them.
In my opinion, the problem that often occurs in every family is finances. This is a major problem that often occurs in many circles of society, lack of employment opportunities may be one of the problems, also currently many young people are lazy to work because they are trapped in a comfort zone even though it does not produce clear income such as collecting money. with their friends from night to morning just to stay up late playing games, this is not profitable but is detrimental to their health, and I call them a burden on the family.
In my opinion, even if the government helps, it won't be much help, if the help is in the form of objects, maybe it would be better for the government to provide decent work for them. Even though they don't have the skills, I think if they have awareness they will force themselves to work in order to produce results. If poverty is destiny then we have to change it, and that is up to our own desires, because no one wants to stay in poverty, I think everyone definitely wants financial freedom, but there are still many of them who are lazy, because it is destiny Being poor doesn't mean you don't have to work or try, of course as humans we have to be willing to try to achieve success, and effort will not betray the results. That's a saying that I instilled in myself, if we ourselves have good efforts then there will definitely be good results.