I know of poor people in India who lack the ability to get jobs due to disabilities. They either have never had a job to be able to have a pay check or had jobs before they became disabled and are unlikely to see a pay check ever again. I know of a few instances of abject poverty in India through a priest I know. In one instance, the sole provider of a household developed a medical condition that rendered him unemployable. In another instance, people at a shelter for the physically and mentally disabled lack things like wheel chairs and bedding, with some of them just lying on the floor.

In both cases, I know people are sending money to help them. That is especially true in the case of that household in a poor village where the father is a disabled craftsman while the mother is completely uneducated. Enabling the children to study will give them the opportunity to work for a better life, which is an opportunity that their parents will never have.

Anyone who has a paycheck has the opportunity to obtain financial advice from sites like YNAB. Not all such people live as they would like, but being able to imagine something better puts them in a whole different category than actual poor people. They are able to make financial decisions and save for the purpose of making their lives better in the future. The truly poor lack such luxury.