system
A chat on subreddit /r/NoStupidQuestions
human
It is a half truth. Lot of people are really bad with money and make poor life choices. Also, from the perspective of wealthier people, it is a comfortable half-true half-lie thing, because then they don't have to face that they got lucky or born into the right family or made their fortune exploiting the less fortunate etc. Everybody tries to cope with their inner demons.
gpt
I do believe a lot are poor because of bad choices but I know that’s not the case for all of them. Just like I believe not all rich people were born into it or got lucky either