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It seems like there must be quite a lot to this, BUT. I also think that there is some reinforcement of false beliefs that tend to prop up inequality. Like the idea that anyone who can't save money must just not be able to make good decisions or is just cognitively inferior.

Some of this is Social Darwinism.

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> anyone who can't save money must just not be able to make good decisions

Unless you’re lending them money it’s always better to assume the best about people and spend the energy on helping the less fortunate. However, if you’re the person unable to save it’s better to assume you lack the virtues required to do so and concentrate on developing those virtues because you’re the only one who can do that for you. If after developing those virtues you still can’t save due to circumstances truly out of your control you’ll know that definitely and you’ll still be better off.

This comment is a great example of what I am talking about about. "Virtue". You directly implied that you believe I must be morally inferior since I am poor.

Maybe one of the reasons I am poor is my because of my integrity.

That's not what they said. They're saying that, even if it really isn't your fault, acting as if it is your fault can help you to materially improve your situation. If you act as if there's nothing you can do, you will do nothing.

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