穷人为什么赚不到钱.

*穷人难以积累财富的核心困境在于系统性资源壁垒与认知局限。* 首先，教育资源分配不均导致底层群体缺乏技能竞争力，多数只能从事低附加值劳动。其次，资本原始积累的缺失使他们难以抓住投资机会，陷入"劳动性收入依赖"的循环。再者，社会资本薄弱限制了信息获取与合作网络，加剧了机会不平等。此外，生存压力下形成的即时消费倾向，进一步压缩了财富积累空间。最后，阶层固化的制度环境削弱了向上流动的可能性。这些因素相互交织，形成结构性贫困陷阱，使个体努力难以突破系统性限制。

*The core dilemma for the poor in accumulating wealth lies in systemic resource barriers and cognitive limitations.* First, unequal distribution of educational resources deprives lower-class groups of competitive skills, confining most to low-value labor. Second, the lack of initial capital prevents them from seizing investment opportunities, trapping them in a cycle of "labor income dependence." Third, weak social capital restricts access to information and collaboration networks, exacerbating opportunity inequality. Additionally, immediate consumption tendencies under survival pressures further shrink wealth accumulation capacity. Finally, institutionalized class solidification reduces upward mobility possibilities. These intertwined factors create a structural poverty trap where individual efforts struggle to overcome systemic constraints.