system
A chat on subreddit /r/NoStupidQuestions
human
People need to keep in mind there are 12 year olds on here. Their views of world is about a correct as you would expect from someone that age.
gpt
Part of it's time, part of it's the subreddits one follows, part of it's demographics of internet use, and part of it's just that lots of people live paycheck to paycheck.

1. time. Answering questions on reddit is in many ways a poor use of time especially once you have high competence in an area.
   1. Financially, you don't usually generate business with it and you can actually charge money for your competence from people who will pay you for it who are not on reddit.
   2. Socially, you probably have friends or family in real life if you are a good communicator and you prefer spending time with them.
   3. So people are only going to answer questions if they're making poor prioritization decisions or if they really enjoy helping people. And unmeasured people--a lot of people read reddit but it's not clear how many are helped by any individual comment one makes.
2. subreddits. r/povertyfinance will have many more poor folk than r/personalfinance. Every subreddit has different demographics.
3. Internet use. People who are responsible savers make and save more money when they get older. Older people are also less likely to be avid internet users.
4. A huge percentage of people live paycheck to paycheck.