El Sidd
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Salaam
Bro, there are many advantages good education and training have. The problems of growing up in poverty and why it is hard to break the cycle are fairly well documented. Even motivations are impacted by your circumstances.
You should read about this issue, I'm sure if you do so with an open mind you will learn a lot from it.
Many of the things you think are intuitive are not necessarily so. People have to be taught proper finance management, about savings investment. Then there is the simple matter of having enough resources to be able to save, sometimes you are stuck in a situation where you are unable to meet your basic needs let alone invest.
Then even in the US, you commonly hear about medical bankruptcy. The amount of variables in your control is very little compared to those outside of your control.
Remember, people are like machines. Our biology dictates much of what we do. A person born into a terrible situation, raised without proper training and experience, suffering from high mental stress can't be expected to perform just as well as the ones born with a silver spoon and given good training.
As they say, check your privilege. Sometimes the things we think we know something or an advantage we possess is because we are better than others instead of all the advantages we were handed that we aren't fully cognisant of.
Remember the matter of Qaroon and the problem with his thinking as mentioned in the Quran.
Stop wasting time.