Of course, to a greater extent we determine our own financial situation.
For example, as in the movie Slumdog Millionaire - when an Indian boy from a poor family became rich.
In general, success consists of many components, but I am most confident that you need to be Attentive, Persistent, Notice opportunities and create them. It is this behavior that will lead to success.
People stay poor because of their pessimistic approach of life and they don't feel like improving themselves on their own , expectations destroys your state of mind because you are always thinking of someone to spoonfeed you about everything in life .
People stay poor because of this mindset , you can overcome poverty by working hard and finding your opportunities for your growth and success.
You have accurately described all the psychological and strong-willed moments of human psychology that do not allow you to overcome the poverty bar.
But I have been in a situation where you have a lot of knowledge and motivation, but there is no place to earn money. There were no adequate opportunities: neither work on the Internet nor in real life.
Unfortunately, this happens. The main thing to remember is that sooner or later opportunities appear.