Core Viewpoint - The article discusses the relationship between cognitive ability, skill, and wealth, emphasizing that merely enhancing cognitive skills does not guarantee financial success. Instead, practical skills and the ability to sell are crucial for earning money [1][16]. Group 1: Wealth and Social Stratification - Society is stratified into three layers: the lowest layer sells pure time with no technical skills, the middle layer sells both time and skills, while the top layer engages in high-risk, high-reward activities [2][3][4]. - The lower layer's jobs are easily replaceable and lack scarcity, while the middle layer includes professionals like programmers and doctors who add value through their skills [2][4]. - The top layer, consisting of entrepreneurs and high-risk investors, can earn quickly but also faces significant risks, including potential financial ruin [5][16]. Group 2: The Role of Skills and Luck - For most individuals, the only reliable way to earn money is by continuously improving their skills and technical abilities [6][8]. - Many people mistakenly believe that enhancing their cognitive skills alone will lead to wealth, but they often end up acquiring knowledge that does not translate into practical financial benefits [6][8]. - Successful individuals often possess a combination of luck and skill, with many achieving wealth by seizing opportunities in their areas of expertise [13][14]. Group 3: Misconceptions about Knowledge and Wealth - High cognitive ability does not necessarily correlate with financial success; many knowledgeable individuals struggle financially due to a lack of practical skills or luck [8][9]. - Wealth is often a reward for selling products or services rather than a direct result of high-level cognitive understanding [10][16]. - The article highlights that many wealthy individuals may not have deep knowledge but excel in marketing and risk-taking [11][16]. Group 4: Practical Advice for Ordinary People - The article suggests that ordinary individuals should focus on their interests and engage in repetitive practice to improve their skills, which can lead to better financial outcomes [18]. - It emphasizes the importance of taking action based on genuine desire and the need to avoid pitfalls through enhanced cognitive awareness [18].

Core Viewpoint - The article highlights the rise of scams targeting elderly individuals under the guise of "poverty alleviation funds," where fraudsters exploit their trust in government programs to facilitate money laundering activities [1][4][6]. Group 1: Scam Mechanism - Fraudsters impersonate government agencies related to "rural revitalization" and "national poverty alleviation," using deceptive messages and fake apps to lure victims [1][3]. - Victims are often required to transfer a "verification fund" to a designated account, which is a tactic used by criminals to launder money [3][4]. - The article describes a case where an elderly man was misled into transferring 490,000 yuan, believing it was related to a car sale, but it was part of a larger money laundering scheme [3][4]. Group 2: Target Demographic - The elderly population is particularly vulnerable due to limited access to information and a lack of awareness regarding financial risks, making them prime targets for such scams [1][4][6]. - Criminals exploit the elderly's trust in government policies and their desire for financial returns, leading them to download fraudulent apps and provide sensitive personal information [4][8]. Group 3: Organized Crime Network - The article reveals that these scams are not isolated incidents but part of a larger, organized crime network that has developed a complete black market chain from information gathering to money transfer [6][7]. - Multiple cases across different regions show a pattern of similar scams, indicating a professionalized approach to targeting elderly individuals [6][8]. Group 4: Law Enforcement Response - Banks and law enforcement agencies are becoming increasingly aware of these scams, with some cases being flagged during routine transactions [3][6]. - Police interventions have revealed that victims often do not recognize they are being scammed, believing they are entitled to the funds they are attempting to withdraw [6][8].