This is really offensive and condescending toward people who are leading far more difficult lives than any of us on HN. Do you really not think the choices poor

This is really offensive and condescending toward people who are leading far more difficult lives than any of us on HN. Do you really not think the choices poor people make are "logical" for their circumstances? Charities like GiveDirectly are premised on the very fact that poor people know better than anyone else how to spend their money.