Do you want us to say, "Congratulations, you are clearly an extraordinary person for overcoming greater poverty than the author and we should all defer to your wisdom." ? Fine. I've said it. Let's move on.

Everything you've mentioned is how you avoid getting stuck in poverty - and all of what you've said seems like sound advice. But what happens when you've already made many mistakes, when you're already in debt and have children to take care of? I think that's where the author is starting from. She's trying to explain why she continued to make terrible choices when she became poor; not trying to justify her decisions, just trying to explain her faulty logic.

Ultimately, it would be better if we never had people get stuck in poverty. But what do we do once they're stuck? Should we just give up on them? Yeah, they fucked up. But if they feel like there's no way for them to get out of the hole they've dug, why should they even try?