Everything you say is true, but the environment and system also influence a lot. I grew up in a rural environment, and few of us could get out of there. But I think genetics also play an important role, since I know a family that's stuck, neither moving forward nor backward. You see it from grandparents to grandchildren, always lazy, so you say, "These ones will always be poor."

But, in my opinion, the other thing is that sometimes there are people who don't help others overcome the poverty threshold. For example, people at work who sabotage others, preventing some from growing or getting certain jobs, making life impossible just to mess with them, literally.

But, you know, the best wealth is health. Money is useless if you don't have it.

Happy New Year