Most people will never be responsible with money. They don't understand it, and certainly don't respect it. That is why wealth flows from the irresponsible many to the responsible few. And that is how it should be.
Couldn't agree more. Most people aren't really responsible with their spending habits; they tend to follow their "wants" more instead of their "needs." If you look on the biography on most of the rich people, you will see that most of them came from nothing but thrived hard and struggled until they reached their riches and wealth. If only people will be responsible on how they spend their money and where would they spend it, I think there would be many rich people than there are poor.