Earlier quoted context omitted.
Agreeing with parent here is in conflict with your original point. Your original point is that poor people are in that position because they're bad with money and make bad financial choices. Parent is asserting that it's a systemic issue that is unrelated to individual financial responsibility. These positions are incompatible.
I thought he was saying that it was a systemic issue that people were irresponsible with money.
[0] https://www.forbes.com/sites/danipascarella/2018/04/03/4-sta...
[1] https://www.cnbc.com/2021/07/30/covid-consumers-did-great-jo...
[2] https://www.apa.org/monitor/2008/07-08/consumerism
[3] https://www.cnbc.com/2020/02/04/47-percent-of-americans-say-...
[4] https://www.pewresearch.org/fact-tank/2018/08/07/for-most-us...