But those things are not financial in nature. Certainly they make things harder though. And you also stated a defeatist attitude as part of your justification for why someone couldn't move up.
What I would expect financial education to do for people is to allow them to understand money attitudes, how to work on changing their money attitudes, and identify and work to change their particular self sabotaging behaviors, how to better assess financial options. Honestly, financial self help books accomplish this in many ways and are a dime a dozen....but in order to capitalize on this stuff, it still takes a conducive attitude, hard work, and determination. And of course, having been taught this stuff early in life would be even more ideal.
I have my own relatives that live in poverty and quite frankly I expect they will never break out. They have their own inherent challenges (mental health and addiction), but they have just as many problems with outright indefensibly poor judgements and attitudes around work and money. But they won't fail to break out because of those challenges, they will fail because their attitude is one of apathy, making excuses, and "you can't expect more from me". Being around them and their particular plights have not changed my opinions on this topic.
Stefanie