As a poor person myself, who grew up poor, and am still quite poor (although less poor than I used to be)....
That is exactly what it is. Poor people are poor because we are poor.
We see rich people making money on the stock market, and wish we could, but we have no excess money to do that with.
We see rich people upgrading their homes and their cars and their whatevers to be more energy efficient, but when our car breaks down and can't be repaired, we buy whatever car we can afford, not whatever car would have the lowest TCO per mile.
Or hell, anything that has a calculable TCO, usually the most efficient TCO-wise has a very large initial investment... poor people can't afford that, thus we are punished, literally, because we are poor.
Like, a few days ago, I finally ran out of my strategic supply of incandescent bulbs. I can't have CFLs in my house because they tend to give me headaches, and they make everything look like shit anyways; but for the past decade, LED lighting has been absolutely too expensive.
I basically fought with myself for 3 days over finally spending $75 to upgrade sixteen 40 watt bulbs and seven 60 watt bulbs. Power efficiency wise, trying to estimate my average usage as best as possible, it is going to take 2.7 years for for those bulbs to pay for themselves (I use the lights very little, but our power prices are very high)... sometimes I wonder if I'm going to survive the month, let alone 2.7 years.
Hell, I'm trying to grow food in my backyard just to try to get better vegetables cheaper: the farmers market around here is pretty bad, and what little local vegetables we grow are sold out of state, while most of what is on store shelves is either from California or out of the country, and often half-rotten.
The people who eat pre-packaged frozen garbage all the time, or eat at McDs and KFC all the time, and become massively overweight and generally suffer from health problems (which also punishes us because we're poor, thus making us even poorer) eat that way because at least it isn't half rotten garbage being sold as fresh vegetables.
My fellow poor people around here think I'm insane for going Paleo, such as getting rid of cheap sources of carbs (such as breads and pastas and refined sugars), and eating more fresh vegetables (organic brands tend to actually not be rotten garbage; yet another punishment for being poor), and eating more healthy fat and protein sources (such as better cuts of real meat instead of eating chicken or really bad cuts of pork, or processed shit like hot dogs or whatever)...
... and that choice of mine? Sure, I'm not going to die of being overweight now. I had pre-Diabetus, it's gone. I used to weigh 340 pounds (I'm 6'0"), now I weigh 190ish. I went from that 340 to 214 in exactly a year. I did this with diet modification alone.
I lost all that weight? Punished by being forced to buy new clothes. Punished by being shunned by fatter people who basically hate me because I chose to become skinny and make better choices about my diet because somehow I'm better than them (as if that thought process even begins to make sense). Punished by having an even larger chunk of my budget eaten up my better diet.
Now, back to the garden? Sure, if I can put a little bit of work in, and get a fresh source of vegetables, that'd be great: the soil is apparently so bad that it may take years of adding nutrients and fertilizer and other organic material back to the soil to get it to grow a good crop.
What I've already put into the soil? Cost money. What I will put into the soil in the future? Costs money. When will I see a return on that investment? Never is still a possibility, I have not ruled it out yet.
So yes, being poor is a punishment for being poor, and the punishment for being guilty of the crime of being poor is being poor. Its a never ending loop of bullshit that is very hard to climb out of.
Want to fix society? Give everyone their basic needs so they can go focus on actually being productive members of society, and THEY BECOME PRODUCTIVE MEMBERS OF SOCIETY. Treat people like how you want them to behave, AND THEY BECOME THAT PERSON.
I have no clue why the hell so many people have problems with what is basically Psychology 101. None of this is new, but we keep rediscovering it every few years as if it is some magical new tablet handed down from Mount Sinai with brand new information on it.