And what would increasing the income do for changing the state of mind, or for better time management ?
This isn't an attempt at blaming, just a statement that there are significant hurdles.
And just as certainly being poor can be a result of bad choices and other things. Denying that either is possible is a recipe for disaster.
What we should do is work on the things that will work for those who need help and help them improve their skills or provide them a structured environment where are those skills are not necessary.