because even among them there are still many who do not have smart phones that support digital payments. or even they don't have time to learn about digital money. they just focus on working every day to make money.
It would be worth learning about digital money and trying to study this issue properly, it can be life changing. I recently read the story of a guy from El Salvador who was just a construction worker, but one day he learned about bitcoin and became so fascinated by it that he took a cryptocurrency course and eventually became a teacher.
А great example of how bitcoin can change people's lives.
mindset that must be changed to be rich. no matter how much our income is, it would be better to set aside a little to invest, so that in the future it will make our life better. it's different with people whose economic capacity is below, they have little money most of them will spend it on something that is actually less needed. therefore many people from the lower economic background stagnate in that position. another thing for rich people who can't seem to let money go idle, they look for ways to develop that money, on the other hand environmental factors greatly affect their mindset
Money can allow you to make even more money, but this rule does not work for everyone. I read stories about celebrities who tried to open restaurants failed, which means that having a lot of money, not everyone can increase them, for this you also need to have certain knowledge.