What people keep missing in this conversation is that the gap between the wealthy and everyone else isn't primarily an income problem, it's a mental model problem. You can give someone a raise and watch them lifestyle-inflate their way right back to broke within six months because the underlying patterns never changed. The article is right to point this out, but I'd push it even further: the real tragedy isn't that rich people don't give enough, it's that the financial education system has completely failed the people who need it most. Schools teach history and trigonometry but nothing about compound interest, nothing about debt traps, nothing about how money actually behaves over time. So people arrive at adulthood completely unprepared and then get blamed for making the exact mistakes nobody warned them about. The solution isn't charity. It's access to knowledge, applied consistently, over years. That's it. That's the whole secret.