The point is that you don't have to "avoid the problem" if you are rich. You'll do better despite your failures.
Meanwhile when someone is poor they are expected to have zero failures in judgment and the poor generally have better judgment but when they do have a lapse the effects are catastrophical.
Meanwhile when someone is poor they are expected to have zero failures in judgment and the poor generally have better judgment but when they do have a lapse the effects are catastrophical.