Why Are People Poor?

I'm filling out a job application this weekend. One of the essay-style questions is "Why Are People Poor?" (The job is providing pre-employment counseling ... I'm barely qualified, but I apply nonetheless.)

And it's a hard question. Answers that obviously disqualify me: laziness, they waste money, addictions, etc.

But there's also: past mistakes, sick kids, disabilities, low skill level, lack of access to jobs, lack of knowing how to keep a job, etc.

But really it's more complicated than that. Sometimes it's a combination of factors. Sometimes it is a past mistake that has lingering consequences or need for money.

And I don't know how to answer the question. I want the job. I don't want to disqualify myself with the essay (which has to be hand-written). Thoughts?