Why can't the impoverished at the bottom achieve primitive capital accumulation?


Many children from rural areas earn 10k yuan and want to buy a new phone,
earning 50k yuan and want to buy a car, earning 100k or 200k and consider taking out a loan to buy a house.
I used to find it funny, but recently I paid some attention and realized it's really the case.
How can one complete primitive capital accumulation in a lifetime like this?
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