I think maybe you missed my point. Everyone is bad with money (mostly), it is just rich people have more. And perhaps they have had more time to form good habit

I think maybe you missed my point. Everyone is bad with money (mostly), it is just rich people have more. And perhaps they have had more time to form good habits with ever increasing amounts to ride over the rough patches. I have known way more rich people bad with money than poor, it just didn't have the same effect. That is because you don't buy them I guess. Scratch tickets, poker machines, plus lots of small state lotteries that start at 5-10k and top out at maybe half a mill.