The impoverished don't spend that much on car insurance. They do spend a surprising amount on cars, though: either many repairs, or buying replacement used cars when the last one gives out.

If they're really in a bad spot, they'll be buying these cars financed. You don't want to be in a position where you're paying off a car that long since was sold for scrap steel price at a junkyard.

Also a smartphone is a must: they often don't have a traditional computer at all! An internet-capable phone might be the only way they can access email, unless they're truly destitute and using libraries for internet access.