I can tell if someone has never been poor by how they talk about poverty. People who have never been poor have this weird fantasy of "Poor, but happy" "They are just simple folks who appreciate the simple things in life". They've created this false ideal that people in poverty have less to worry about somehow.
Mo Money, Mo Problems is privilege speak. There is also this idea that Wealth = Intelligence, but I'm pretty sure the last decade has disproved that in spades.