Why are some poor, others rich in the WW?

[ccm50_2000]

No: HPFGUIDX 66690

I've been curious about this for a while. If wizards and witches can
conjure things into existence, why is anyone poor in the wizarding
world? Why does Lupin have a tattered, patched robe? Why couldn't he
conjure himself a new robe? Why does Ron have to buy a used dress robe
instead of having his parents create a new one for him? Why does Molly
make Christmas sweaters? Why not create them magically? Dumbledore can
conjure a chair to sit in so why can't wizards conjure up whatever
they need - food, clothing, shelter, money? Just curious.
Charlotte