For me: its poverty mentality and religiousity
Most people were oriented that being poor is a sign of spirituality. Personally, i dont agree that. Its the will of God that his creation will enjoy prosperity not poverty.
Personally, there is a lot of problem happen to my family due to poverty mentality. My family is broken, coz my father was insane due to the frustration that he could not provide a better life for his children. We are not oriented about financial literacy and the opportunity to maximize the law of supply and demand.