Like it was mentioned people from low income brackets are more likely to spend money on in-app purchases especially those which are designed similarly to games of chance, lower income people are also likely to impulse buy.<p>Financial planning is like the chicken and the egg - poor people don&#x27;t have good financial planning abilities because they aren&#x27;t used to having capital and because they aren&#x27;t good at financial planning they are more likely to remain poor even on a steady income.<p>There were some startups that aimed to fix just that by managing your monthly expenses and basically giving you a daily allowance almost if you hand over your salary to them.