Agree to disagree, I suppose.

Your basic assertion is that a poor person would have to change their ways due to circumstances brought-on by their stupidity, and this is false.

The stupid lack the awareness to see the issue as having come from themselves, and therefore will not change; when you have no money, you pay for everything with bits of your life.

So a person who is both stupid and poor will see sickness, jail time, any sort of negative as merely another price tag to pay for what others have done to them. They’ll pay the price, become a little more bitter, and continue as they were - most-likely with a heightened determination and sense of pride.