Another habit of poor people is spending money on cigarettes and/or alcohol. A larger percentage of their already-limited income is spent on these substances than for people better off than the poor.

Bad enough already, it's even worse in areas where much of the price of these substances is actually tax assigned to the appropriate jurisdictions.

We don't need any studies to observe this, but studies help to confirm what we have noticed.

Imagine how much savings or wealth they could have accumulated had the money not been spent on these substances. Then imagine if money once dedicated toward substances went into the No-Loss Lottery savings accounts.