Its your characterization of people falling into a trap designed for them to fall in as bad with money i take issue with. This opinion can only come from an inability to consider hypothetical situations outside of your particular experience, such as (off the top of my head) an unexpected bill or layoff.

This can not be overcome with “moneysmarts“, unless moneysmarts=having money. Surely if you wanted, you could respond with a hypothetical situation that runs counter to your previous statement?