I know a couple of intelligent people that have a real blind spot when it comes to dealing with figures. So this isn't a 'stupid people' thing.
Have you never had a conversation with someone about their new car/phone. They say it's cheap because it only costs them X per month. You ask them what the total cost is, and they have no idea? Because I seem to have that kind of conversation with a wide variety of people.
It's not about choosing what works for them, its about making sure that choice is informed. If you're earning $10/hr great, if you spend $5 of that on other costs, you should really be deciding if $5/hr is worth it.
Yes, the company is taking advantage of this. Welcome to capitalism. A sucker is born every second.
"it fits with a meme of poorer people being dumber "
I agree that that's the meme, the parent doesn't actually refer to Uber driver's wealth, rich or poor.
I'm guessing theres an unspoken assumption that Uber drivers are poorer, because it isn't that well paid? People don't seem to be giving up careers to do it.
They could have reasons (or just stated reasons) beyond considering raw profitability.
Are you sure you're not being patronizing there? i.e. underestimating people's ability to choose what works for them? I talk to most Uber/Lyft drivers I ride with, every one of them has said they're happy with it, and most have given specific reasons why.