Poor people seem perfectly capable of purchasing car insurance, as evidenced by the fact that millions of poor people have car insurance. What is it, specifica

Poor people seem perfectly capable of purchasing car insurance, as evidenced by the fact that millions of poor people have car insurance. What is it, specifically, about being poor that leads you to believe they lack the cognitive ability to purchase disability insurance? Or did you understand something other than cognitive ability when you read they couldn't attain "expertise?"