Financial education in schools, or some sort of scheme where the benefits of long-term investing are made viable for poor people. A start up could do some ment

Financial education in schools, or some sort of scheme where the benefits of long-term investing are made viable for poor people. A start up could do some mental trickery / game theory that benefits poor people. Say a start up takes 10% of every pay check, but buys all your groceries. They invest the difference into your 401k. The person gets groceries and a retirement fund, without having to know about investing. Obviously this doesn't really make sense, but the idea is that poor people don't have financial knowledge, don't know where/how to save money, don't have the time to cut costs, etc.