As it makes it seem that the poor are ignorant, gullible rubes.

Nope.

Lack of money ≠ lack of wisdom, or insight.

Lack of resources causes a focus on short term because it's not safe enough to plan ahead because now is dangerous.

That's not a comment on any individual, that's not even a comment on every human. Every mammal is like that, and I'm pretty sure other animals as well like lizards, birds, fish, etc.

Being poor doesn't mean you started off dumb, but it literally drops your IQ almost an entire standard deviation

In a 2013 study published in Science, researchers from the University of Warwick, Harvard, Princeton, and the University of British Columbia find that for poor individuals, working through a difficult financial problem produces a cognitive strain that’s equivalent to a 13-point deficit in IQ or a full night’s sleep lost. Similar cognitive deficits were observed in people who were under real-life financial stress. Theirs is one of multiple studies suggesting that poverty can harm cognition.

https://www.chicagobooth.edu/review/how-poverty-changes-your-mind-set

That's just how our brains work.

You might not like it, but don't try and treat it as some opinion that I have that you can just argue away because you don't like it.