For example, I had $4000 debt. There was no way in hell I could ever pay that money back, considering that I made $900/month which did not cover my monthly expenses. So let's say a month ends where I spend $800 and only have $100 left. Am I going to stick it towards paying off the debt or just buy some new shoes or so? That debt is so huge that I know that saving $100 will still take me so many years, that I just accept the debt and go buy myself some shoes.
Poverty starts when you resign yourself to being poor. A friend of mine is poor - I called him to lunch and brought out $5000 and I told him that if he can think of any idea at all for a business, I would invest these $5000 in his business. I would not check his idea, I would not bother him if it was viable, I would simply give him the money.
Up until today, he has not come to me to pick up the cash. But he still complains about how he has no money. That's the thing - he is resigned to being poor. Becoming rich will mean a lot of work, it's an ardous and long task, and I really don't think he wants to do it, even when the money is offered to him in that manner.