There are a lot of reasons why people might be in a lower financial class. While education and mind set are a huge part, some of it comes down to being trapped.

They are trapped in an inner city with little to no jobs. It costs money to move, its costs way more to eat and shop. you have to pay to travel anywhere to get stuff. You shop local and its all at the bodega - for smaller qty and much higher prices, not to mention lack of storage for bulk purchases if you can afford them.

Not to mention the financial education in this country is abysmal, almost like its planned to keep people ignorant and needing government assistance, add on the insane amount paper work, licensing and fees to try to start any small business and many have little to no way out.... until crypto. Crytpo - defi and the new web 3.0 with tokenomics can give them a path.