And they have people to tell them about it! We started working with Unflappable Finance Dude when he was new in his job and just wanted clients so he didn't care that we were broke, but now he works with billionaires and tells us these tricks, and I'm like YOU CAN DO THAT? THAT'S LEGAL?!
The most horrifying part about this to me is that there's ways to do paperwork to prevent this, but poor people are not taught about it, we are not informed that we need to do this, rich people know all the paperwork secrets and they intentionally keep poor people from them