That's completely accurate at that macro scale. At a smaller scale of paying bills and product selection, I know trust fund adults who can save thousands using

That's completely accurate at that macro scale. At a smaller scale of paying bills and product selection, I know trust fund adults who can save thousands using tricks poor people know; don't spend money / pay bills until it's necessary, use credit cards to defer interest, avoid pushy extras/upgrades/insurance, buy during sales, buy resellable brands, sell your phone instead of trading it in, check for new deals annually, etc. Because of the macro skills you mentioned, they don't need to do those things. But they also don't know how to.