Why are a lot of people not rich

Why are a lot of people not rich?

First, they don't believe that they can make a lot of money. Since they don't believe that they can make a lot of money, they won't try to seek methods or formulas which can let them make a lot of money.

Second, if you ask them whether they want to make a lot money, they will say "Yes."  But what they really mean is that if a lot of money can suddenly fall into their lap, they will gladly take it. If you tell them that it will take them some effort, they will say, "OK. Forget about it."

They don't believe that they can make a lot of money and they don't want to put forth any effort in making a lot of money. So, how can they be rich?