Alright, now I'll describe more generally.

Humans don't know how big their needs and desires are in the future, so what they can prepare is limited to their thoughts and guesses.

Over time, the more they interact, gain knowledge and go through various kinds of life problems, the more they know their true needs and desires which they never thought of in their financial planning or didn't realize that it was an opportunity.

So stick to the previous opinion, everyone will regret it in the end which shouldn't be necessary (even for the poor though). I think it is precisely when regrets come they should start something asap.