The rate of poverty keep increasing in most country especially as inflation strikes all natlions. One can move out of poverty even during inflation when necessary steps are taken. Most adults are broke because:
👉👉They are not proactive
👉👉You do not value your time
👉👉You don’t have a skill
👉👉You are not teachable
👉👉Failure to take action
👉👉Reckless spender
All the points you raised OP as the causes of poverty among adults are all valid but I want to add mine.
Some persons must have gotten all the skills and done all you mentioned but became poor due to unforeseen circumstances. Recently there are issues of flooding in my country that have crippled many businesses and homes. The owners of some farms and small and medium-scale businesses would not only become poor but will become debtors because they took loans to start or expand their businesses. In my state, we have had several fire outbreaks in major markets that turned multimillionaires to bus conductors and laborers. A natural disaster can make a once successful adult become very poor.
Another reason an adult can become poor regardless of all his positive effort is sickness. If the person becomes sick or any member of his immediate family has medical issues, it could affect the finance of the family. Sickness would make the individual not put in the needed efforts for the success of his endeavor. Sicknesses are sometimes very expensive to treat or manage, which could lead to poverty.