The first assertion is not hard fact. I agree with the spirit of what you are saying(we are responsible for our own moral life), but the idea that we are all given the same opportunity financially is an unrealized ideal, not a point of fact backed by any solid data.
I'd also assert that some cultures conflate financial and fiscal issues, so that there is no chance of respect left to the poor, or the poor from certain demographics. That some manage to rise above this will always be true, but the ones who fail miserably in the face of the temptations facing them are not, by virtue of facing more daunting temptations and more dire alternatives, worse than those who do not earn what their society handed to them, and thus never faced the same alternatives, by point of fact dodging them entirely, even if we are harsher to the mugger than to someone stealing the pensions of thousands.