The trap of being poor has never been explained better than by Terry Pratchett in his 1993 Discworld novel "Men at Arms".
A wealthy man buys a $200 pair of boots that lasts ten years.
A poor man can only afford $40 boots that leak after six months, so he spends $800 over the same ten years and still has wet feet.
Poverty isn't just a lack of money. It's a continuous subscription fee for not having capital up front.
