According to google: "Some reports indicate that 26.8% to 28.6% of households on welfare have earned income, which sometimes reflects a focus on households with no work-eligible adults (elderly, disabled)."

So no, then. Got it.

This is human nature, most of humans will revert to a baseline of doing the bare minimum to survive. The rest cannot support that system.

Do you do the bare minimum to survive, or do you have excess money left after paying rent and groceries?

According to google, "approximately 57% to 67% of American adults are living paycheck to paycheck."

This doesn't mean they are poor. As their income goes up, so does their spending.

Also according to google, "Approximately 60% to 80% of professional athletes face severe financial distress or go broke within a few years of retirement, particularly in the NFL and NBA. Data suggests 78% of NFL players experience financial hardship within two years of retirement, while about 60% of NBA players are broke within five years."

and:

"though often debated, statistic suggests that up to 70% of lottery winners go broke or face financial distress within three to five years, more conservative estimates indicate about one-third (roughly 33%) declare bankruptcy."

Personally, I think that high schools should have a required course in finance and accounting.

The only thing your first statistic says is that those people are poor. It says nothing at all about why.