I agree. I say that because not all poor people are poor because they did some stupid stuff, which caused them to be that way. Other people are just born into it, others were just that unlucky that a series of unfortunate events hit and struck them causing them to lose whatever they had before. It's not always stupidity. Although a big bulk of people are affected by it, like gamblers and other people who doesn't learn into dealing with things that could and should have been avoided. There are so many different factors that are more pressing than stupidity to be the reason why many people are poor.