People who are too afraid of risk usually not rich but have enough for them to make living, mentality is truly problem but usually poor people are lacking in education and that's the number one contributor of many poor people failure to get out of poverty and many of them also have the habit of overspending on something useless because they want to fill the void in their feeling of desire for a long time. basic universal income could also work to solve poverty if it was given not in form of money but basic needs like food.