I disagree with your conclusion in relation to the points you presented:
> I think poor people are poor because they're trapped in low-wage jobs, and are often forced to use more expensive services, as well as being victims to centralization and ever-growing rents
That might be another issue, but in terms of what you have presented I think the issue is that knowing isn't enough, executing on the knowledge matters more. And most people can't execute, which is why people are still fat.
Wouldn't that kind of be the case for poor people too?
I mean, even if you transferred all the knowledge of personal finance to them in an instant - investing or putting aside $0 is still going to yield the same result: $0. For many, it is impossible to execute such things, because they simply do not have any money to spend - nor do they have the chance to make more money, because they're already trapped with multiple jobs, children, and what not.
> I think poor people are poor because they're trapped in low-wage jobs, and are often forced to use more expensive services, as well as being victims to centralization and ever-growing rents
That might be another issue, but in terms of what you have presented I think the issue is that knowing isn't enough, executing on the knowledge matters more. And most people can't execute, which is why people are still fat.