I see the comments being about why poor people are poor.. Well, in my opinion a lot of it is because there are so many conveniences that help you stay poor! There are all these ways in which the rich try and make you spend money inefficiently and if you're poor to begin with - chances are you're working hard and have a hard time finding time to do enough research to find out what's good and what's bad.
An average person tends to simply struggle to find a way to get out of being poor, because society in many ways "peer pressures" them into working hard.. But that often just means wasting your time on a job that brings little money home. In my language we call it "kultura zapierdolu" sometimes, which essentially means a culture of overworking (in a vulgar way).
!1UP
For sure - we are lazy by nature - so if we can satisfy our immediate desires easily, we do - even if it costs us down the road.
Globally I think that many people are working at the wrong thing - chasing a paycheck, not real independence.
There's this thing people say "If you know, you know". In this case, it's a bit of a "if you don't know, you don't know". On the example of my parents, I can tell that they're not necessarily dumb people - but growing up in communism/socialism-ruled Poland and then in the inbetween times, they did not have the resources to learn how to get out.
They work hard, they aren't at the lowest lows of the food chain, but still it is not like they know how to accelerate their savings - and they're reluctant to take the risk to do so while they're approaching 50+ years of life.