Small Time

Small time people such as hobos tend to age faster because they're forced into a crux of time where time itself is smaller, thus limiting their lives and making them age faster as they travel across the band of life at a quicker pace. During times of economic crisis, as people become poorer, more people are stuffed into small time, inflating it until it can no longer hold people (inflation), and thus it essentially explodes and flings them across the band of life as if it's a rubber band and makes them rich and wealthy again.

During these periods, pockets of Small Time Heroes appears, as people learn that there is more to wealth than money. These mentally wealthy people are still in Small Time, but they are in pockets of Large Time within Small Time, allowing them to pass influence in between pockets as if in between dimensions, thus passing on their mental wealth to others. This is how mental wealth will eventually proceed to become the dominant form of wealth, as various economic crises force people into Small Time and Small Time Heroes make them mentally wealthy. It is God's way of attempting to reform us. Pockets in time like change in your pocket.