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Because of destructive criticism in early childhood and mistakes they have made as adults, they are paralyzed by the fear of making a mistake, of losing their time or money. Even if they are presented with an opportunity, they go into a form of paralysis.
Their fear of failure causes them to create all kinds of reasons not to take action. They do not have the time. They cannot make the minimum investment. They do not have the necessary knowledge and skills. Like is deer caught in the headlights, they are paralyzed nu the idea of failure which cusses them to never take any action at all.
The people had no money but they had the ability to work hard, to upgrade their skills and to become more and more valuable. As a result, more and more doors of opportunity opened up for them.