I think the thing that makes someone still poor is that he doesn't have a clear vision about money, he thinks that money is a normal thing and is not his target or hope, when he gets a lot of money it will be easy to spend it according to his pleasure, he always thinks that tomorrow there will be the same money.
People staying poor is not only because of a person's incapability. There are also environmental factors that make them stay poor. We have seen lots of hardworking individuals stay poor this is because they are taken advantage of by their employees by paying them low salaries. Aside from that, since these people don't have their own house, they sometimes end up paying high rent that almost takes all their income. So we won't be surprised why many people stay poor even though they have a stable job.
Your point makes sense mate. Exploitation is another issue why people are poor. Employer's sometimes are very heartless. They take advantage of their employees situations and desperacy to work so I'm that case, they offer their employees peanuts with threats making their employees hopeless and not willing to leave since they have no other option but to accept the job with Fate. These are sometimes one of the problems why people stay poor. They are underpaid and their salaries does not commiserate with their inputs compared to the running cost and personal expenses put together you will see why some people live in hand to mouth without any savings and something to show for.
In my country we tag this as " monkey dey work, baboon dey chop"
It is a very frustrating situation where I do not wish anybody to experience such in life.