I believe it was John O'Shei who coined the term "poverty fetish". Yes, there are
many without savings in the bank, they will never change. I'd reply more but got to
teach today, so sorry for replying in brief.

Many other people have used the term long before I have. Here's a very recent example in the relatively mainstream media: http://blogs.spectator.co.uk/coffeehouse/2015/07/cuba-the-perfect-holiday-destination-for-poverty-fetishists/