That problem, I expect, is that people who grew up in poverty became conditioned at an early point, because of the necessity of living paycheck-to-paycheck, to fail to think in the long term. Every dollar needed to be used immediately in order to survive. This, unfortunately, makes it harder to escape from poverty, as any windfall, be it from a lottery or newly gained liquid assets, is immediately spent, and never saved.

My point here is that poverty engenders a psychological response that feeds back into the poverty. I doubt that those born into poverty are genetically predestined to that psychology (though I will admit that it's possible), but that poverty itself causes that symptom.