Do you know how many lottery tickets are purchased by the "unexotic underclass"? There are those with "virtually no money to spend," to be sure, but there are plenty of working poor with a combined large amount of money passing through their hands that never generates wealth because it is immediately spent, both to meet needs (often inefficiently), and to meet wants (often with little long-term thinking, which for various reasons can be entirely rational in given circumstances). The opportunities lie in trying to identify improvements in that cashflow (which is hard to do if you are so disconnected from the "underclass" that you can't even fathom why someone would spend so much on lottery tickets, and thus how you would ever convince them to spend money on your service instead...)