No one likes being poor, and most people learn to live as well as they can with the income they have. Our society encourages this because it makes workers happ

No one likes being poor, and most people learn to live as well as they can with the income they have. Our society encourages this because it makes workers happy with less pay. Banks and businesses prefer consumers this way, and any attempt to get people to live "within their means" will fail because of the push back from that side as well as the general discomfort and distaste for living less well (and less healthily, at least in the US - quality food is expensive). A far better solution is to address income inequality and to bring equity to the results of everyone's work. Wage growth has been too low for decades which has been great for corporate owners and investors, but bad for society.