The three levels are interesting to look at. The poor have very little options. Most of their salary/funds are used to meet their needs. The Middle are comfortably able to pay for their needs with some money left over. I think they usually save it for "need-want" things like a car, a house, or house furniture/appliances. The rich have all their needs met, and can usually buy most of their wants, with a lot of money still left. If both their wants and needs are met, then increasing their fortune is the next logical step.
Yes, it is the next step, but I also think that to get there from the poor category, we would have to take that step earlier, even if only with a tiny amount to begin with. If we don't find away to change our mindset, we will never find a way out of our class.