The skill to control money is totally bereft in most 9-5 jobbers
Totally true, however, in most cases, if many are specifically earning very little from 9 to 5, their main aim would be to feed and take care of their need. There's no zeal to take risk because they'll prefer to be safe, miss opportunities than prefer to me sorry. This economic phenomenon is relate to the loss aversion theory
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Hmm.
To prefer acquiring little gains at the expense of any small loss.
That's poverty beckoning with open hands.