When you see a rich man who suddenly becomes poor or an average man who never grew above his current financial state, it's basically because they possibly weren't accountable for the money that was coming into their hands.
It is not just this, there are many reasons why a rich person can suddenly become poor sometimes it is also as a result of poor investment decisions. If you make poor investment decisions even with your accountability, it is capable of making you broke and that is a mistake that some rich may make in trying to get more money and cement their status as wealthy, they may rush into making poor investment decisions that may have bad consequences for them.
Being financially accountable entails that you delegate what your income would be used for and ensure you follow it up to the latter.
In a country where there's a very poor economy, it is difficult to practice financial accountability especially when you have relations, loved ones and close family members depending on you for financial assistance. This is a challenge some of us face.
the dependents should have been helping the person they depend on as well. it's harder to be financially stable when there are people always waiting for your help and you will be dragged along when they are not helping themselves. financial accountability is too broad and teaching them to be independent is part of it. if you keep them dependent on you, it will be a bigger problem when they are used to it.
in some cultures, the wife manages the finances and the husband is just there to talk about priorities but its the partner's accountability and decision.