>it's unclear whether or not most of these come from a lack of financial education or rather a sense of struggle and fatalism around pre-existing lack of econom

>it's unclear whether or not most of these come from a lack of financial education or rather a sense of struggle and fatalism around pre-existing lack of economic opportunity Even if they make bad decisions due to fatalism, this fatalism comes from one's attitude towards their circumstances more than society not giving enough handouts. Plenty of immigrants are more than happy to abandon their lives at home, make minimum wage in the US in jobs citizens won't touch, live minimalistically, and send most of their money to their families.