Doesn't matter. You can give a retard ten million dollars and they will piss it away if they dont OD or crash their brand new sports car into a wall first. I know its not popular to say but most poor people stay poor bc they are idiots with low impulse control. I dont know a single poor person who doesnt either have a litter of children and/or collects pets as if they are pokemon.
Like I mentioned with zoomers, large segments of the population sort of move based on inertia. It's like they lack a sense of self, or any sort of individual capability whatsoever. I don't like believing this is some sort of intrinsic characteristic because it absolves them of any responsibility, depending on how you look at it.
If a lack of impulse control/long-term consideration can be considered inherent* or otherwise outside of the individual's control, it's almost absolving them of responsibility for their situation because their circumstances were outside of their control. "You're poor because poor people are stupid and have no impulse control," rather than it being the other way around.
It puts people like that retard you describe in a state of diminished responsibility, which is win-win because it gives non-poors a reason to think themselves special and gives those sorts of poors an excuse to continue living their low-impulse, instant-gratification lifestyle because they "can't help it." It's easier than trying to explain every possible factor or variable that lead to them having no long-term concerns or a lack of discipline.
If someone is limited by things outside their control (poor job market, shit economy, etc) it only justifies why they haven't taken an option or action that simply isn't available to them in their situation, which might be why they're poor. It doesn't, however, then force them into certain unsavoury actions that they're otherwise fully in control of.
There's this sentiment (you've likely seen it in media and whatnot) that someone's financial situation might "force" them to commit crime, as though they were compelled into action by some invisible entity with a gun to their head. But no, in the end, it was their hand and personal justification that did it, often leading them to conclude they had no actual choice in the matter. Considering their individual context might give way to mercy or something, but the action was ultimately decided by the criminal, right?
There's a similar principle for when people turn their wants into needs, or addictions into compulsions. Taking away individual decision as a factor or placing limitations based on who/what they are can do more to enable the worst aspects of society than enable** I.E "What's the point of trying if you've been limited from the very outset to do anything?" / "I can't change because of [x]", etcetera.
There's an exact scenario you describe as having
happened in the UK once. 19 year old poor got £15 million. He did, indeed, piss it away. It supports your argument, but absolving him of any wrongdoing because of "Coutts" is something I'd use to justify mine.
TLDR: Give
me 10 million dollars and I just won't do that shit.
*A similarly unpopular sentiment is
parental responsibility. "It's not unpopular, everyone agrees parents are responsible for their kids," you might think, but it's in fact so unpopular that the government will end up taking on the responsibility of a parent's fuck-up to absolve the parents of having any role in a tragedy.
Any (young) tranny, school shooter, or kid murdered/raped by someone they met on the internet, are largely a result of their parents being shit at their role because - barring few exceptions - most of this could've been stopped at home. A lot of the internet safety activism is pushed by the parents of children who were otherwise unsupervised or limited in their internet usage, and effectively want to absolve themselves of any blame in their kid's death/actions when, objectively speaking, it might've been prevented if they were actually supervising it at home. The UK's on-paper justification for the OSA is the result of a teenager being killed by someone they met on Facebook, and the USA's KOSA is in-part because a teenager killed themselves doing a tiktok challenge (even though the parents warned the kid about tiktok they still allowed him to have it on his phone?) - parents who want to be utterly guilt-free putting the blame on something that wasn't theirs to control.
TLDR: Parents are let off the hook too frequently and make everyone else suffer just so they don't have to hold themselves accountable.
**This segue sounds extremely random, but this sort of ties into the race-realism thing,
where if blacks are inherently prone to violence and have a limitation of intelligence, then in a way it can be used to absolve them in the same away a child is held less accountable for something than their parents and puts the responsibility of stopping their natural behaviours on non-blacks – a burden, if you will. Even the token Conservative ones, such as Thomas Sowell, still pins ultimate blame for African-American predilection toward crime on Southern whites. Doesn't explain why blacks didn't develop like the Southern whites did but whatever. The long and short of it is: broad description should not serve as an excuse/justification for individual action. If blacks were to accept universally tomorrow that they were violent, dumb savages, would that enable or impede them individually to commit crime?
People love being free agents, right up until the moment shit starts going wrong for them, then they like pinning it on other causes they either had no control in or something they feel otherwise compelled to do.
TLDR: If you give people an explanation/reason for bad behaviour, they'll often take it as a justification and then later an excuse for their own actions. If they "can't help it," then it nixes any moral quandary in the bud and they'll just fucking do it.