Poverty is defined as a lack of material possessions or money relative to wealth. Extreme poverty occurs when household resources are insufficient for basic needs like food, healthcare, and shelter. Poverty is caused by factors such as overpopulation, lack of jobs, education and resources, as well as family circumstances. It most often affects densely populated urban areas where there are fewer jobs and opportunities which can lead to poverty and violence. Some ways to reduce poverty include lowering population, increasing food supply, and eliminating predatory institutions, though fundamentally changing human nature would be required to fully address issues of greed and inequality. There are organizations working to improve living standards for the poor.