I use the 'promote better' ideas when dealing with people in poverty. Usually most of what happens is what I call 'bad choice' economics. Usually do one thing or another. One is not 'fun' the other is. The 'fun' one gets you right now but usually hurts you weeks from now. The not fun one helps you long term. Usually the excuse of 'oh I have money coming later' with no idea of what if 'later' does not happen.

One guy I had to talk down from having his car detailed (150 bucks) vs paying the 2 month late car payment. He literally did not think of the idea of they will take the car away from you if he did not make the payment, until I pointed it out to him. He was very fixated on the 'clean the car'. That is but one small example. I have hundreds of examples like that.

That short term thinking is absolutely acidic long term on you, your family, and friends. It can create a spiral that is very hard to get out of. Being poor costs substantially more long term as well. I as a wealthy person can buy things ahead of time when on sale because I know I will use them in the future. Being poor means you buy in the 'now'. You do not buy for the future because you do not have the means to do so. So on average simple things cost you more. But being in the 'now' can hurt you even worse by giving you fun vs not fun choices. But not being able to see you have been give an bit of 'luck' to make your future better.