Comment by bsanr2

Tl;dr Poor people (and racial and ethnic minorities, and women, and queer folk) are not dumb. They just have to turn their equal cognitive resources towards things other (and more fundamental to survival) than their magnum opus/business idea/etc. Those who overcome this are HIGHLY effective, but it's not fair that we ask it of them. That's not how an effective or efficient or just society runs, and we leave money on the table and room for any adversaries we might have to maneuver when we doom whole classes of people to constant, pervasive desperation.