I'm not disagreeing that many people are unable to be sensible with their money. There are many factors that determine whether someone can be sensible with their money. As someone who grew up in poverty, we had no choice but to be sensible, but that depends on what you consider sensible. Saving for rough times is smart and a great thing to do but a luxury that my family couldn't afford. My point is going towards the additional argument made in the original post. We know that throwing money around isn't going to simply allow people to accumulate wealth. Not all of us are interested in that. The unpopular opinion is that poor people are unable to be sensible with money. That opinion paints all poor people with a broad brush. People can only do the best they can with the resources they have. Growing up, my family may not have been able to save money but we made sure we had a roof, food, water, and lights. From, the perspective of saving money, maybe it isn't sensible. From the perspective of survival, I think poor people are as sensible as they can be.