Sometimes the judgment here and the lack of compassion is astounding to me. That one would ever use terms like poor people and rich people makes me sad, as we are all, underneath it, people.
I used to have serious cc debt.
I also experienced a lot of abuse as a child and was not taught to value myself or how to care for myself. Those were things I had to make a conscious choice to learn. And as I learned those things, on the way to learning my value and feeling my value, I healed the belief that I never had enough, the belief that was underlying my issues with money.
Now, while healing, I was surviving (barely) in a reality where we are programmed to believe that what we own, what we are able to do, and how much money we have is all a measure of who we are. So many feel their identity is defined by where they live, what they do, and what they own. So much so, that they will spend what they do not have to prove to themselves they are worthy.
Nothing is black and white. There is no right or wrong. There is only the moment and the choices the moment brings.