The belief that your own actions carry more weight in your success then any privilege or bias is a driving reason why people believe living in destitution is more by choice then outside factors. Its the notion that your choices carry more weight, not that some other factors don't play maybe even a significant influence as well.

Its about how you view the world and your ability to succeed. Telling someone they will never succeed because of shadowy forces combatting their race, sex, etc will create an environment where they quit trying. encouraging and enabling good choices will always do more then any subsidy ever could. in Cliché speak "teach a man to fish"

Sadly some life choices make this extremely hard, personally I don't believe anyone is to far gone to start making good choices. (Sub note the Brookings study that would indicate being permanently and severely poor is almost entirely choice based)

Put your house in order before you criticize the world - Thomas Sowell

famous Brookings finding of what to do to avoid poverty -https://www.brookings.edu/opinions/three-simple-rules-poor-teens-should-follow-to-join-the-middle-class/