The issue is not about being poor but our attitude.
As we already know there are a lot of poor people in every country of the world, they surely do not have access to the internet and as the digital money is changing the world people are debating over the existence of real money all the virtual money. And as we know the government and the banks are printing more and more money which is reducing the initial value of the physical currency and all of this is going to be most painful for them. So now people are switching to the digital world so what should we do for the poor peoples should we make a system or let them take their life. I think if somehow we can make them literate then that is going to reduce the number of poor people in a country.
Your proposal is good but it will take a century to educate the population of the world regarding digital.
Few things why there are many poor than rich people.
1. Poverty is a mindset. People stay in poverty because they think they are poor and now way out of being poor. The world is full of resources and opportunity. Just only need and effort to activates those resources.
2. Government itself. Government wants their citizens to stay poor because they want to stay in Power. Hoard many of the resources and deny access to education.
3. Greed of the Oligarch. Oligarch always accumulate more wealth for themselves. If the the resources is will distributed to the people there is no poverty.
I quite agree with you on your analysis . Our attitude says a lot . Some people are to lazy and are contended with their situation so they do nothing about it. The government is also not encouraging as you see the rich getting richer and the poor poorer.Determination can move a mountain . So if one is determine to get out of poverty his life will be better even if he doesn't get rich