I think ability is not the right word to use but maybe capabilities, and knowledge or understanding. They are still close with each other and you are right even if we can't exactly feel what others are feeling because maybe our knowledge or capability is more than what they currently have or it can be higher than on what we have, though I think there are some exceptions or some people like for example poor but has a wider view in things in this world.
Ability will lead someone to achieve anything and why people say skill is important because that is how we can achieve success.
A person's ability is indeed different and with knowledge people can increase their ability to achieve whatever they want.
Different views and mindsets between each other and it is based on the mindset that is instilled so that the direction of someone to achieve success is different.
This is good and they have a big chance to change their life if they will team that thinking with a proper action. As you can see, I didn't mentioned money there but that's already understandable. There's also rich people who doesn't think or see things really well, so we can also say that it doesn't really depend on how one spends their money.
Back to the individual in seeing the problem and how they solve it all with suitability.
Why do I say this because sometimes we do not realize that spending money inappropriately can cause problems.
On the contrary, rich people spend money according to their ability to produce, money will not be productive in the wrong hands and there will be no stable returns.
Each has their own choices in life and as long as it is not wrong or they don't use the money on illegal drugs, alcoholic drinks, gambling, hoes, and the likes.. we can let them. For them it's only a way of rewarding their selves for all the hardwork that they have done only to earn money. For those who are the opposite, they have their own reasons as well.
That is different and maybe the discussion we are discussing is not related to this, I see someone with a different view.
For example, we have an income of $ 1000 per week, then how can the money be maximized, either for daily shopping, investment or savings.
This is the system that needs to be built so that people can spend money according to their needs, not to fulfill their lifestyle in an uncontrolled way.
Why rich people get richer because they have a plan for every money they have and they understand much better how to multiply money compared to spending on unnecessary needs.