You are privileged enough to be ABLE to make good decisions. Some people are victims of the boots theory of economics and better choices aren't actually an option.

Lifting yourself by your bootstraps only works if you can afford boots in the first place.

Pratchet said:

"The reason that the rich were so rich, Vimes reasoned, was because they managed to spend less money. Take boots, for example. ... A really good pair of leather boots cost fifty dollars. But an affordable pair of boots, which were sort of OK for a season or two and then leaked like hell when the cardboard gave out, cost about ten dollars. ... But the thing was that good boots lasted for years and years. A man who could afford fifty dollars had a pair of boots that'd still be keeping his feet dry in ten years' time, while a poor man who could only afford cheap boots would have spent a hundred dollars on boots in the same time and would still have wet feet. This was the Captain Samuel Vimes 'Boots' theory of socio-economic unfairness." [0]

[0] https://en.wikipedia.org/wiki/Boots_theory

Please absolutely do not use that ragebaiter to draw conclusions about poor people.