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That is basically the opposite of what the person you replied to was saying. S/he's saying it's not their fault because of systemic problems.
Yes correct
OK, I'm probably misinterpreting your intent, but I don't know how to read that in any other way than saying some poor people aren't worth helping because they lack a skill set that wealthier people have. I find it pretty crazy that being bad at managing money is often seen as a moral failing even though it's a skill that nobody is born with and isn't even taught in schools (for the most part).
Yes, you are misinterpreting my intent, what you're saying is exactly my point. Wealthier people have more access to education on these topics because it's usually not free, additionally usually someone of low income who is a parent will also not have that knowledge to give their children
Literally I'm saying the exact opposite of what you're assuming, if they don't get the proper help then they can't help themselves, sometimes
Ok, my bad