This is because most of third class was carrying their entire life savings with them. First class had all their money back home or in banks, so there was no need to physically have it on them at the time. Third class had no choice but to bring it with them as they immigrated.I also found it amazing how many of the 3rd Class passengers had hundreds of dollars, & other currency, on them & how some of the 1st Class passengers didn't have much money. That was really interesting.