You think that the poor lose because they have no money.

Actually, many people truly lose during the ten years from 25 to 35.
Because the thing that poor people like to do the most is:
Use their most valuable time to exchange for the most stable sense of security.
Save money desperately.
Work desperately.
Pursue stability desperately.
As a result, after ten years, they realize:
Their savings rate can't keep up with asset appreciation and changing times.
Housing prices have risen.
Core stocks have risen.
BTC has risen.
AI has begun to replace ordinary labor.
And the only thing that has grown is their years of service.
The most terrifying thing is:
Time is least valuable when you're young, but most precious when you're older.
At 25, you can stay up late, make mistakes, change careers, go all-in on new opportunities.
What about after 35?
Mortgage, age, family, career inertia will completely trap you.
Many people don't fail suddenly.
They are in the most golden ten years, continuously choosing "stability," and finally gradually losing the ability to turn things around.
So, the real cruelty has never been lack of money.
It's that one day you suddenly realize:
You no longer have time to start over.