While not everyone from such a disadvantaged background is likely to succeed, those who will succeed will do so through doing the things you assert are hard, pe

While not everyone from such a disadvantaged background is likely to succeed, those who will succeed will do so through doing the things you assert are hard, perhaps moving out to other areas, perhaps getting good education, perhaps getting marketable skills outside of formal schooling; and for those who will fail at this, no amount of financial literacy will be sufficient to lift them out of poverty if they can't get a job providing decent income.