Also, you can't have a fear of poverty or failure if you've never been exposed to them. If you've never experienced poverty, then most likely that concept just doesn't seem real to you.

You can fear poverty if your parents don't give you money for nothing and you forgot your lunch and spent all the money you EARNED and therefore have to skip lunch that day because of your bad decisions. You can fear failure if you've been given a chance to fail. And you can have a great desire to be able to get a good job if the only money you have the money you earned and the only way to get out your mother's house is to succeed.