We do not lack money but what we lack is the opportunity to make money here, economic barriers from macro to micro directly affect the life of each household, or the economy of a country.
After the crises in society in recent years, I think things are getting worse and now we are also experiencing a major military conflict and very likely widening the scope of the conflict war.
This is the exact same thing I would like to say. IMO, based on my country's current situation, some of us lack the opportunity to make money. Money is there but the oportunities given are scarce, there're offer or course but the competition is very high. Let's just say we there are job offers, the thing is you need to prove why you are different from others who has the same field as you.
In terms of investment? It will be a bigger competition coz not everyone starts at the same starting line. Money isn't the problem/scarce but the lack of opportunity, there is also a case where financial education is a problem coz once they got the money they tend to spend it on not conventional things or sometimes used for needs coz money is scarce and that's the only time they'd get the chance to make money so they'll choose it for their basic needs first and the rest is for investing, but the catch is their needs sometimes are much more expensive than what they earn.