Folks songs are not written from ordinary perspectives even when they claim to be. The writer always, overtly or not, conceives of him/her self as:

a. Poor and wayfaring
b. A rambler
c. A stranger
d. A back-door person
e. A moonshiner
f. Poor and sitting somewhere
g. Poor and going somewhere else
h. Poor and abused
i. Poor but fortunate. (rare)

Folksongs do not portray the narrator as:

a. Aspiring to popular election
b. Saving up for a trip to Europe
c. Doing market research
d. Puzzled by excess wealth
e. Confidently planning to get a patent.

If you are confidently planning anything you should probably not write a folksong about it, unless it is dying.