There’s a line I heard recently from Mel Robbins that’s been echoing in my head ever since: “People do well if they can.”
It’s deceptively simple. The kind of phrase you nod at, maybe even repost. But when you sit with it, really sit with it, it starts to challenge a lot of the assumptions we make every day.
Especially when it comes to financial health.
Not lazy, just locked out
Let’s be honest: It’s easy to judge what we don’t understand. We look at people struggling with money and tell ourselves stories. They’re reckless. They don’t care. They should know better.
But here’s the thing: Most people do care. They want to pay off debt. They want to build credit. They want to save for the future, buy homes, support their families, live with dignity.
What they often don’t have is access, or a roadmap. That’s not laziness. That’s infrastructure failure.
You wouldn’t expect someone to drive to a job interview without a car, a license, or a GPS. So why do we expect people to navigate complex financial systems with zero guidance and very few guardrails?
Skill, not will
I grew up in a community where financial literacy wasn’t part of the conversation; not at school, not at home, not even at the bank. I didn’t learn what a credit score was until I had already messed mine up. And let me tell you, the learning curve wasn’t gentle.
So I get frustrated when financial challenges are framed as a lack of personal responsibility. That framing is lazy.
Let me say that again: That framing is lazy.
Not the people. Not the effort. The framing.
Because once you believe that people are doing the best they can with the tools they have, everything changes. You stop asking, “Why don’t they just fix it?” and start asking, “What’s missing from the toolbox?”
The illusion of equal opportunity
We love to talk about “equal access” in this country, but the truth is, access is rarely equal. It’s shaped by geography, race, internet speed, ZIP code, history, policy, and yes, banking systems.
You can’t teach people to swim and then throw them into a pool with no ladder.
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That’s what we do when we say, “Just build credit.” But we don’t acknowledge that millions of people are credit invisible or have a thin file because their rent, utility payments, or side hustle income doesn’t get counted.
And then we wonder why so many people feel stuck.
Let’s redesign the system like we believe in people
What would it look like if we actually operated from the belief that people want to do well, and will, if given the right support?
In my role at FICO, we’re constantly asking that question. We don’t just talk about financial inclusion. We’re reshaping how our tools show up in communities, how our education reaches people, and how our partnerships remove friction, not create more.
We’ve launched programs that meet people where they are. Not just where we think they should be. We partner with nonprofit organizations, elected officials, and even local credit unions to host free credit education sessions, translated, and culturally relevant.
Because accessibility isn’t just about logging in. It’s about feeling safe enough to show up.
And what about the kids?
This mindset shift isn’t just for adults, either. I’m a mom. And I’ve seen firsthand how easy it is to label kids as difficult, especially neurodivergent kids, when they’re just overwhelmed or unsupported.
They don’t lack motivation. They lack tools, patience, and sometimes, a grown-up who gets it.
Sound familiar?
Adults are no different. Most of us are still carrying money habits, shame, and silence from childhood. If we weren’t taught how to manage money at 7, why do we expect everyone to have it figured out at 37?
A better way forward
So where do we go from here?
We start by telling the truth:
– Financial hardship isn’t a character flaw.
– Credit education isn’t a luxury.
– Access to opportunity should not depend on what side of the city you live on.
And then we build programs, products, and policies that reflect that truth.
That means working with communities, not on them. It means bringing empathy into corporate boardrooms. It means seeing people as capable, not broken.
Because if we believe people do well if they can, then it’s on us to make sure they can.
A final thought
There’s someone out there right now who wants to fix their credit, get out of debt, or open their first savings account. They’re not lazy. They’re not unmotivated. They just haven’t had a fair shot.
We don’t need to change people. We need to change how we see them, and what we give them to work with.
Because people do well if they can. And they’re counting on us to act like it.
Rukiya Kelly is global head of corporate impact and engagement at FICO.