In what three specific ways does Jurgis' ignorance harm him?

"He spent a week meditating whether or not he should also buy an overcoat. There was one belonging to a Hebrew collar button peddler, who had died in the room next to him, and which the landlady was holding for her rent; in the end, however, Jurgis decided to do without it, as he was to be underground by day and in bed at night."

Jurgis' choice of lodgings left him in "a close though unheated room, with a window opening upon a blank wall two feet away; and also he had the bare streets, with the winter gales sweeping through them; besides this he had only the saloons--and, of course, he had to drink to stay in them."

"As it chanced, he (Jurgis) had been hurt on a Monday, and had just paid for his last week's board and his room rent, and spent nearly all the balance of his Saturday's pay. He had less than seventy-five cents in his pockets, and a dollar and a half due him for the day's work he had done before he was hurt. He might possibly have sued the company, and got some damages for his injuries, but he did not know this, and it was not the company's business to tell him."