Darwinian selection and the stardard bell curve would dictate that there are going to be a large portion of the population who aren't capable of operating at a level that would take them out of poverty. As long as they aren't starving to death, they're still ahead. The point is, you could give them all the training and money in the world, and they'll still make bad choices. The question is, is it of value to the providers to be their nannies? The hard answer is no, unless you're using someone else's money and resources.