Because the poorer you are, the more vulnerable you are to accidents and serious illnesses; the poorer you are, the more you cannot afford to lose in the investment market; Only by working hard can you live the life you want; the poorer you are, the more lack of financial and business education and limited thinking, the more you need to fill up the shortcomings through self-education; the poorer you are, the earlier you have to start doing everything well Prepare.
Yes, the poorer you get, Thor more vulnerable an individual is to accidents and all that. The individual is struggling to stay afloat and can barely afford groceries and utility bills. They live paycheck to paycheck and can barely afford to have any savings. All these would certainly have an effect on the individuals mentally. He barely has enough to eat so he would most likely not want to listen to anything that would entail him parting away with his funds. I understand and would excuse that behavior. Financial education along with entrepreneurship and skill acquisition is very important now as it was then.