Principally Ruto is to blame for the bottom-up hustler story. People bought the lie that wealth will be magically built or redistributed. Never mess with the gullible hoi poloi, even Trump will face it as he explain look jobs cannot return from China.
The Regular Njuguna is broke cause
1) born in backwater Zamunda
2) sired by poor folks
3) has low iQ, ungifted, etc
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99) was fleeced by Ruto or GoK