Your assertions (pretty much all of them in this post) are a symptom of being so far out of touch with what it means to be poor that you can't fathom the realities of being poor. All bounced checks are not a function of poor money management...in fact, amongst the very poor, one simple error that isn't your favor can trigger a host of terrible consequences. Making a sufficiently small income that being accidentally double-billed by your electric company can over-draw your account is real. Even more damaging is the case where the double-billing doesn't over-draw you, but causes the five other checks you've written for bills to all overdraw instead...at $35 each. Now, a paycheck-to-paycheck living person with no real access to additional money finds themselves $175 in the hole *AFTER* they get their money back from the electric company (which can take a full month). This is not hypothetical...this is a reality from a time in my life during which I was below the poverty line by a significant margin; and I wasn't even close to as poor as you can get, I was positively swimming in opportunity compared to many Americans.

Sometimes, people who are poor are poor because they're poor and no amount of financial management will circumvent the situations that created their current poorness so as to allow them an out. You can be born poor. Tragedy can make you poor. I do, however, appreciate the "blame the poor" mentality that your class privilege has allowed you to adopt. I know first-hand how hard it is to break the mindset of "just get a better job and manage your money better, stupid poor people".