A lot of times in this world, a person’s level of wealth is dependent, not so much on the circumstances into which they were born, or even the state of physical health in which they spend their lives. While these things can certainly be useful factors in how quickly a person is able to get ahead, they are far from the entire picture. That would be like saying that a person’s genetic tendency to gain some weight is the only thing that causes them to be fat. Such a mindset is far too hopeless to be supportive of any kinds of plans, especially when they involve some degree of risk. However, you do have a lot of options, if you are willing to grit your teeth and go through with something potentially scary.
A lot of poor people fear debt more than almost anything else. After all, to owe somebody (especially when it is for a long time) can imply that, if at some point in the future they decided that it was time for you to “pay up,” could mean that you could face any number of financial or even physical threats. At least, to a lot of poor people it feels that way.
The nature of poverty is that the world is often not a stable place at all. Far too often, a poor person has grown up in a place where the only thing which was ever certain was that life held absolutely no certainty to it at all. In a world such as that, it makes perfect sense that the idea of owing someone would be so scary. But leverage can help you out, when you are out to get ahead.