Okay but poverty is harrowingly expensive . Those skills are only useful once you have money.

Like being an Olympic gymnast with a severed spine or a marathon running with a lethal dose of muscle relaxants in your blood.

Out of character I’m going to point out that a lot of poor people deeply distrust banks because they charge every fee imaginable. One of the most frequent criticisms I see is that poor people will spend a large portion of their income on gold jewelry. Yeah, because it’s a store of value that’s independent of predatory bank fees. As @SoyViking said, people are not broke because they don’t know how to make a budget. People are broke because wages are too low and prices are too high.

I feel like this presents a tautology or something because the wealthy by definition don’t have to worry about the same strict financial limitations of people in poverty, thus anything the wealthy do will seem financially literate. The wealthy don’t have the same consequences for failures of personal finance, so how you would even begin to compare these situations is beyond me. A wealthy person by definition isn’t worrying about something as dire as making a choice between a dentist visit or getting their car fixed.