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
I think the issue is when a bad choice or two means you get to be poor the rest of your life, and some people get to make bad choices without any consequences at all, and some people are set up with only having good choices laid before them, and some peoples bad choices were the good choice at the time...