Not really about avoiding being broke. Many are in situations they can't control. More so about how to lessen the load and show there's hope.
If its money gained from an investment, trade or lottery, the government will still ask for the tax money which can greatly damage your credit. I know you're joking but still.
Main reason many are broke is because public schools aren't allowed to teach about finances. The purpose of school is to make you into a good employee, college is supposed to put you in debt, and credit is a scam to keep you in debt.