system
A chat on subreddit /r/NoStupidQuestions
human
As you enter higher social circles, you often find that the poor people you know personally from those circles made horrible choices, which are why they are poor. Someone with a masters degree who gets a $100,000 inheritance and somehow ends up poor has clearly done something wrong, for example.
gpt
Not exactly scientific but if you look at my graduating high school class 15+ years on, the people who partied, drank a lot, smoked a lot of dope, and skipped class a lot are poor. 

Those that worked hard, studied hard,  applied themselves, and stayed out of trouble, are mostly doing just fine economically.

I was kind of hybrid, I enjoyed partying too but always studied hard and made sure to have my shit straight with school before imbibing or smoking weed every so often.