*Poverty Is a Systemic, Not Individual, Failure.*
If you want to blame it on individual poor people, you can spin the
facts that way. When a system becomes hard for certain groups to cope
with, some people will crack before others.
Why would certain people crack sooner? Perhaps their personalities or
other characteristics are more predisposed to cracking. Perhaps they
have bad luck. There is always randomness that affects the outcomes in
specific cases.
But those causes of randomness have little to do with political
questions — the aspects what make a system better or worse. That is
what governments can adjust so that fewer people crack — or, for
those who seek scapegoats, so that more people crack.