Answer:
1. Personal apathy
Explanation:
Social toxicity of poverty refers to a list of external social situations that might prevent certain individuals from accumulating wealth.
Personal apathy refers to the lack of motivation a person experience which make them lack the drive/will to do better in his/her life. Even though personal apathy can contribute to poverty, personal apathy generally drive from within the individuals. So, this couldn't be considered as 'External Factor'
