为啥 are not bad with 要这么理解呢

Most people are not bad with money because they earn too little, it is because they never really track where it goes.

这句话的理解是 很多人不删除理财，不是因为他们赚的太少，而是因为他们没有追踪钱去哪里了。
感觉这么理解很难， 明明是 not bad with money , 双重否定，那不就是很擅长理财了嘛。

如果这句话变成 Most people are bad with money not because they earn too little, it is because they never really track where it goes. 我就能很容易理解了