You’re ignoring the problem. Over 50% of Americans have $0 net worth. Millions live in poverty. We are the richest third world nation in the world.
Can we debate the problem rather than post platitudes?
Speaking of posting platitudes.

btw - Where did you get the stat that shows 50% of Americans have $0 net worth?
Net worth is basically defined as assets minus debt. Debt is often a matter of spending choices - as are savings and/or investing.
Poverty level in the US is an imaginary line on a graph albeit involving calculations such as regional cost of living and is based on reported income. The most important function of the poverty level is to determine who gets how much federal and state assistance from the hundreds of government agencies distributing funds. It isn't a measure of net worth or possessions, or 'amenities' such as running hot water, air conditioning & heating, cars, phones, other electronics, refrigeration, etc.
20+ Trillion dollars, two decades and scores of federal agencies later the poverty 'stats' have changed little...is it time, like the War on Drugs, to admit defeat? How much poverty, like drug abuse, is a matter of 'bad' choices? Can we federally assist people out of poverty?...apparently not. But education and work ethic can.
Those are the facts - what
is the problem?