I hope that you never experience some of the things I've seen with people I've had to help through our church and other ministries. I've seen far to many lose jobs, homes and property through no fault of their own and then not be able to get back on their feet again. Things that weren't their choice and beyond their control that put them in a situation that they couldn't get out of. And I've seen it time and time again. Companies going under, others cutting their labor force and letting people go; one of our banks went under and in the process ruined multiple mortgages that caused multiple foreclosures. I could go on and on.
Not everyone who is "poor" and can't get out of it is there by personal choice or lack of effort. Perhaps getting out a bit and doing some work in shelters, recovery centers, abuse homes, or other charities to the poor would give you a different perspective.