Poor people seem perfectly capable of purchasing car insurance, as evidenced by the fact that millions of poor people have car insurance. What is it, specifically, about being poor that leads you to believe they lack the cognitive ability to purchase disability insurance? Or did you understand something other than cognitive ability when you read they couldn't attain "expertise?"

Please read the full context of the conversation. This is not a discussion about whether a specific poor person might have enough dollars in their pocket to buy disability insurance. This is a discussion about whether or not poor people have the cognitive ability to purchase disability insurance. The OP suggested that by the very nature of being poor a person should not be expected to be able to attain the "expertise" required to purchase disability insurance.

My contention is that this is a disgustingly classist view against poor people. Poor people, by and large, seem perfectly capable of purchasing car insurance, and disability insurance is generally less complicated.