Poor people lack knowledge on investment and they were agonizing to have something which they've never experienced in life. This is why they just spend here and there and end up with nothing left. Through education this can be easily solved.
Another thing when we talk of poor people, there are people who aren't able to feed themselves for three times a day. With them how to suggest investment. What is more important itself isn't available and in that situation talking of next level of living is really unfair.
First of all savings needs to be encouraged. The education need to be provided on investment and other ways of making the savings better. This is how we can help with betterment of the poor people. Not everyone were able to follow it which is the hard reality.
You have raised some valid points but if we don't try to educate ourselves with the basic knowledge of business then it is our failure that we didn't try to exclude ourselves from poverty. Education was not a basic need and was not as inexpensive as it is today in the past. Still, people learn to do business with basic education in the past. If you know the letters and can read and write that is enough for you to be knowledgeable. I know it's not easy for a person who can't feed himself properly but this is not impossible if he has the will to change his life.
Our ambitions in life push us one step further to improve ourselves bit by bit and change our lives. We need to have that willingness to be someone no matter what situation our lives is going through.