Ability before understanding.
You’ll notice that individuals of low human capital don’t understand concepts like property rights, private ownership or small government.
Providing valuable services in exchange for money is an alien idea for these people.
For the feckless and incompetent, the right way to build wealth is to take money from others. The right way to keep wealth is to kill your victims when they try to get their money back.
Losers don’t develop skills, because they can’t. Losers don’t understand the concept of human capital, because they can’t. So, they just keeps it gangsta.
No ability, no understanding.