Ah yes. The poor are poor because of poor morals, instead of you, who is of good moral standing.
The poor are poor due to lack of money. This is caused by increasing costs of healthcare, education and houses, you know those basic things needed to live. And by a capitalistic class taking about 95% of all gains from productivity increases. Saying millions of people are poor because because of bad morals is disgusting and completely false.
Ugh, poor money management skills have nothing to do with morals. It's fine to say someone has poor money management skills just like it's fine to say someone has poor C++ coding skills.
Creating a budget and sticking to it requires behavioral changes that take time to sink in.
It's extremely unlikely that you make the perfect amount of money to cover your exact needs that result in you being broke. It's much more likely that people adapt to a system of spending all money that comes in on whatever 'priority item' pops into their mind because they lack the skill and/or discipline of budgeting. This is evident in higher income people as well that suffer from lifestyle creep.
Again, this has nothing to do with morals. It's just a statement about the appalling lack of financial education in the vast majority of the US population.
I agree with your core thesis, but it could probably have been expressed better. In the USA there's a moral system that some people have that equates wealth to virtue. In my experience, it leads to conclusions that are generally dehumanizing and unempathetic of others, which is definitely not a long term sustainable foundation for a free society.
The poor are poor due to lack of money. This is caused by increasing costs of healthcare, education and houses, you know those basic things needed to live. And by a capitalistic class taking about 95% of all gains from productivity increases. Saying millions of people are poor because because of bad morals is disgusting and completely false.