But that isn't "poor people", and it isn't reasonable to just assume that poor people are all incapable. Most are perfectly reasonable people who happen to be poor despite generally being responsible with what money they do have. And presumably not throwing away 5% of their income for no good reason. I suppose I might be over-estimating poor people, but that isn't any reason for you to start misrepresenting my beliefs.
> I say you don't have a good enough grasp of it to present it in an understandable way since this "misinterpretation" of your view seems to match pretty well with what you've actually said.
Bullshit. You claimed my opinion was "poor people are poor because they're irrational". That is both a ridiculous statement and a gross mischaracterisation of what I said. Realistically I probably should get an apology, although getting you to understand what I actually wrote is enough for me.
[0] If you read the article closely though, that isn't actually mathematically guaranteed. Means can be deceptive like that.