>>>And logically, if the poor as a group were good with money, they wouldn't be poor.

Give poor people a reward/goal within reach and then see how they do.

I know working on long projects can be very draining because weeks can pass by and I'm still very far away from the goal of project completion.

Poor people's lives are like that. They have to jump through more hoops and exert much more discipline for their life to get better.