There are many reasons why people may be poor...
And many reasons why a person may be rich...
The Aibishter has a cheshbon for everything.
But you can be sure, regardless, that it is GOOD for you.
Among other things, chazal say that a poor person has an easier time maintaining a kesher with Hashem. The nisayon od being rich is extremely hard- to keep up that connection with Hashem. (By the way, I don't have money either.)
Please, use anything that motivates you to stop- but please be happy.
Hatzlacha in all good things. May you never lack for anything.
Meir