There are three reasons for poverty: first, a low starting point, which comes from the family of origin and environment, and this cannot be changed. Second, poor insight, with limitations in cognition and decision-making, rigid thinking, often difficult to perceive the essence of things, and repeatedly making mistakes in significant life choices. Third, strong desires, lack of self-discipline and control, indulging in sensory pleasures, looking down on small businesses, and being unable to engage in large businesses.