The way I think about this is that the circumstances people are in usually stem from a legacy of decision making that has led them to their current conclusions. It’s nearly impossible to alter people’s decision making protocol in my experience. I could give an indigent person a million and within ten years most would be flat broke again. I’m looking for the person making solid decisions, but who has just either not gotten the momentum to beat the income to expense curve or had had an unfortunate event or two that are critical to their success. Second, sometimes a person I might see as living a suboptimal lifestyle is perfectly at home with the way they are living. I’m sure some billionaires would perceive my lifestyle as nothing but bad decisions and trash, and perhaps offer help, for my part I’d reject their criticism and their help. I’m happy with my path, and so are many people I may see as needing help so it’s always good to ask and get acceptance when you see an opportunity to help.